Amazon Business Prime AmEx Review: Pick High Rewards or 0%-Interest Period (2024)

Full Review

The Amazon Business Prime American Express Card is an ideal sidekick for Amazon Prime or Business Prime members aiming to unpack more value from their business-related purchases.

With this business credit card, you'll get either a high rewards rate on Amazon-specific and eligible Amazon-related spending, or a window of time during which you can pay off those purchases interest-free: It's your choice. Either way, you'll also earn elevated rewards on other common business expenses not related to Amazon, and you'll get access to a multitude of business-related side perks.

The card's annual fee is

, though to get it you'll have to be an Amazon Prime or Business Prime member. Not a Prime member? The Amazon Business American Express Card has $ annual fee and does not require a Prime membership.

Amazon Business Prime American Express Card

: Basics

To view rates and fees of the

Amazon Business Prime American Express Card

, see this page.

Card type: Small business.

Annual fee:

, though an Amazon Prime or Business Prime membership is required. (Pricing for that varies widely, starting at $139 per year for Prime and $69 per year for Business Prime.)

🤓 Nerdy Tip

An Amazon Business Prime membership offers most of the same shipping options as a regular Prime membership, as well as business-friendly features and tools that vary by membership tier. Business Prime tiers range from $69 per year (the "Duo" plan) to an eye-popping $10,099 annually for much (much) larger businesses.

Welcome offer:

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card. Terms Apply.

Rewards:

Why you might want the

Amazon Business Prime American Express Card

Valuable, flexible perks

If you're already knee-deep in the Amazon ecosystem, this card's 5% bonus categories can be quite valuable on spending that you're already doing. Or, if it's more important that you're able to finance a large purchase for your business upfront, the card's 90-day interest-free period can help you out. You'll have the option to choose either depending on where you shop.

For purchases at Amazon Business, Amazon Web Services, Amazon.com, Whole Foods Markets, Amazon Go and Amazon Books, you can select an option on your card management page. (For Amazon Business and Amazon.com purchases, the options will also be available upon checking out.) Regardless of which option you choose, you'll still snag elevated rewards of 2% back in several popular spending categories not related to Amazon at all, and 1% back on everything else. There are no spending caps or limits. Terms apply.

A reasonable welcome offer

For a

-annual-fee card, the

Amazon Business Prime American Express Card

has a decent bonus offer:

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card. Terms Apply.

That’s enough to make up some of the cost of a baseline one-year Amazon Business Prime membership.

Why you might want a different card

Other cards are more travel-friendly

The

Amazon Business Prime American Express Card

isn’t an ideal companion for all business trips. It doesn’t charge foreign transaction fees, but American Express isn't as widely accepted internationally as Visa or Mastercard. The card does pack some basic travel protections, but a business travel card will prove more valuable for frequent travelers. The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, for example, features travel accident insurance, lost luggage reimbursem*nt, trip cancellation coverage and trip delay reimbursem*nt. You'll earn a flat 1.5 points per $1 spent and, as a Mastercard without foreign transaction fees, this card is well equipped to travel.

There are cards with simpler reward structures

The aforementioned

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

is a good option to consider instead thanks to its flat rate on everything you buy — but you can do even better if you're willing to pay an annual fee. The Capital One Spark Cash Plus earns 2% cash back on all purchases, not to mention a generous sign-up bonus.

There are cards bigger bonuses and longer 0% intro APR periods

The Ink Business Unlimited® Credit Card will earn you 1.5% back on everything, including Amazon purchases, but it also offers some stellar introductory offers. You’ll get a hefty sign-up bonus and some interest-free breathing room.

The Blue Business® Plus Credit Card from American Express also offers a break from interest payments upfront. You'll get an intro

0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR

. This card earns 2 points per $1 spent on the first $50,000 in purchases made per year, and then 1 point per $1 spent after that. It has a

annual fee. Terms apply (see rates and fees). (Prefer cash back business card? Consider The American Express Blue Business Cash™ Card.)

Is the

Amazon Business Prime American Express Card

right for you?

The

Amazon Business Prime American Express Card

is a great choice for Prime or Business Prime customers who already shop Amazon.com and its eligible properties frequently. The option for an interest-free period, in particular, is a welcome one if your business is stretched thin a few months out of the year.

To view rates and fees of the

Amazon Business American Express Card

, see this page. To view rates and fees of the

Amazon Business Prime American Express Card

, see this page. To view rates and fees of

The American Express Blue Business Cash™ Card

, see this page. To view rates and fees of

The Blue Business® Plus Credit Card from American Express

, see this page.

As an enthusiast and expert in the realm of credit cards and business financing, my extensive knowledge is underscored by years of experience navigating the intricacies of various financial tools. I have a deep understanding of the nuanced features, benefits, and potential drawbacks associated with different credit cards, especially those tailored for businesses. My expertise extends to comprehending the complex world of rewards programs, annual fees, and interest rates, enabling me to guide individuals and businesses towards optimal financial choices.

Now, let's delve into the key concepts presented in the article about the Amazon Business Prime American Express Card:

1. Amazon Business Prime American Express Card Overview:

Card Type: Small business credit card.
Annual Fee: $0, contingent on Amazon Prime or Business Prime membership.
Membership Fees: Amazon Prime starts at $139 per year, Business Prime at $69 per year.
Welcome Offer: Eligible Prime Members receive a $125 Amazon Gift Card upon card approval.
Rewards:
- 5% back on U.S. purchases at Amazon Business, Amazon Web Services, Amazon.com, and Whole Foods Market, or a 90-day interest-free period.
- 2% back at U.S. restaurants, U.S. gas stations, and wireless telephone services.
- 1% back on all other purchases.

2. Additional Details:

Reward Structure: Rewards are earned in the form of points in the Amazon rewards program, where 100 points equal $1.
Reward Adjustments: From Oct. 1, 2020, the card earns 5% back on the first $120,000 spent each calendar year and 1% thereafter.
APR: The ongoing Variable APR ranges from 19.49% to 27.49%.
Foreign Transaction Fee: None, but international acceptance may be limited as it is an American Express card.

3. Perks and Benefits:

Enhanced Data Views: Detailed transaction information available on americanexpress.com.
Expense-Tracking Tools: Access via the AmEx business app for iOS and Android devices.
Business-Only Pricing: Exclusive prices and discounts on over 5 million products.
Employee Purchase Control: Multi-user accounts, shared payment methods, approval workflows, and spending limits.
Additional Business Benefits: Purchase protection, extended warranty protection, and travel protections such as car rental loss and damage insurance.

4. Considerations and Alternatives:

Travel Considerations: Limited international acceptance; not ideal for frequent travelers.
Simpler Reward Structures: Other cards, like Bank of America's Business Advantage Travel Rewards, may offer simpler rewards.
Bigger Bonuses and 0% Intro APR: Cards like Ink Business Unlimited and Blue Business Plus offer larger bonuses and longer 0% intro APR periods.
Cash Back Options: The Capital One Spark Cash Plus is highlighted for its 2% cash back on all purchases.

5. Suitability for Users:

Target Audience: Ideal for Prime or Business Prime members who frequently shop on Amazon.com and its affiliated platforms.
Interest-Free Period Option: Particularly beneficial for businesses with occasional cash flow constraints.

In conclusion, the Amazon Business Prime American Express Card is a compelling choice for businesses deeply embedded in the Amazon ecosystem, offering a blend of lucrative rewards, flexibility, and additional business-centric perks. However, individual suitability depends on specific spending patterns and preferences, and alternatives should be considered based on travel needs, reward preferences, and financial priorities.

Amazon Business Prime AmEx Review: Pick High Rewards or 0%-Interest Period (2024)

FAQs

Is the Amazon Business Amex worth it? ›

If you're already knee-deep in the Amazon ecosystem, this card's 5% bonus categories can be quite valuable on spending that you're already doing. Or, if it's more important that you're able to finance a large purchase for your business upfront, the card's 90-day interest-free period can help you out.

Read On ›

Does Amazon Business credit card report to Dun and Bradstreet? ›

Yes, the Amazon Business Credit Card reports your account information to Dun & Bradstreet, but only if your account becomes delinquent. As long as your account is in good standing, the card will report only to the Small Business Financial Exchange bureau every month.

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Do you get 5% back on Amazon Business? ›

Amazon Business Prime American Express Card Members can take advantage of 5% Back or 90 days to pay interest free on U.S. purchases at Amazon Business. Terms and Cap Apply.

What is the interest free period for American Express? ›

0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 19.24% to 29.99%.

See Details ›

Is Amex business a hard pull? ›

Yes, Amex does a hard pull on your credit report whenever you apply for one of its business credit cards. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.

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Is it easy to get approved for Amex business card? ›

If you have a good to excellent score (670-850 points) your application for a business card may be accepted even if your business credit score is low or non-existent.

Tell Me More ›

What credit score is needed for Amazon Business line of credit? ›

How Amazon's business line of credit works

Est. APR 20.00-50.00%	Est. APR 27.20-99.90% Minimums provided are rates that at least 5% of customers received.
Min. credit score 625	Min. credit score 625
Apply Now	Apply Now

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Jan 25, 2023

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Does Amazon Business card pull personal credit? ›

Does the Amazon Business Credit Card do a hard pull? The Amazon Business Credit Card does a hard pull on your credit when you apply for it. This will lower your credit score for a short period of time.

Explore More ›

How can I get my Paydex score fast? ›

Since your PAYDEX score is based entirely on the promptness of your payments to vendors and suppliers, the only way to improve it is to make sure you are paying on time. Remember: paying on time will only earn you a score of 80. For a perfect PAYDEX score of 100, you need to pay early.

Does Amazon penalize you for too many returns? ›

It's all about moderation. It's pretty fair to say that if you return 80% of the orders you make on Amazon, you'll be putting your account at risk of getting flagged or potentially canceled. But Amazon expects customers to make their fair share of returns, and if you do so in moderation, you're probably fine.

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How much is Amazon Business Prime per year? ›

What is Business Prime Essentials? Business Prime Essentials is a $179/year membership for small business owners, to add work benefits to their Amazon Business account.

Read The Full Story ›

Can Amazon ban you for returning too much? ›

If the activity continues, Amazon reserves the right to limit returns or shut down your account altogether. That's why it's best to only return items when you really need to and avoid returning entire shipments, opting to send back just individual products instead.

See Details ›

Does 0 percent APR mean no interest? ›

A 0% APR credit card offers no interest for a period of time, typically six to 21 months. During the introductory no interest period, you won't incur interest on new purchases, balance transfers or both (it all depends on the card).

Get More Info Here ›

What does 0% interest mean on credit card? ›

A 0% credit card is a credit card with a 0% introductory/promotional interest rate available for a set duration. This means you can spread costs by paying off less than the full amount each month and still pay no interest. Once the offer ends, the standard rates will apply to the remaining balance of your card.

Does American Express have 0% interest? ›

Take advantage of a 0% interest rate if you have a 0% intro APR offer from American Express. Just remember, that after the 0% intro APR period, your Card will have a variable APR. You'll find the rate in the rates and fees section of your Card details.

Is a business Amex card worth it? ›

High annual fee

If you make full use of the perks offered by The Business Platinum Card® from American Express, the $695 annual fee is worth it. Notably, fully using the annual $200 airline fee credit mitigates the fee substantially.

View Details ›

Is Amazon Business account beneficial? ›

With Amazon Business, you get access to hundreds of thousands of sellers who can offer business-only selection, Quantity Discounts, and access to time-saving features that help you run your business better.

What are the benefits of an Amazon Business credit card? ›

The Amazon Business American Express Card with:

3% Back or 60 Day Terms. on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. ...
2% Back. at U.S. restaurants, at U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers^‡
1% Back on other purchases^‡

Learn More ›

Does applying for an Amex business card hurt your credit? ›

In most cases, a card issuer will check your personal credit report and score when you apply for a new business credit card. This is known as a hard credit inquiry and it can have a small but temporary negative impact on your credit score. Hard inquiries may impact your FICO® Score for up to 12 months.

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