New Amazon Business Credit Card from American Express

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It now pays more for business owners to shop on Amazon. With two brand new Amazon Business Credit Card options, you can get bonus cash back on Amazon purchases. Plus, they sweeten the pot with non-Amazon purchase rewards and an instant signup bonus.

online shopping

Which card you apply for depends on if you have an Amazon Prime membership. Like the personal Amazon credit cards, you earn more Amazon rewards when you’re a Prime member. Plus, you will be happy to know neither card charges an annual fee or a foreign transaction fee.

Amazon Business American Express Credit Card

Amazon Business American Express Credit Card

Credit: American Express

The entry-level is for non-Amazon Prime members.

You can enjoy these credit card perks:

  • $100 Amazon.com Gift Card (upon application approval)
  • 3% back or 60 days financing on U.S. Amazon and Whole Foods-related purchases
  • 2% back at U.S. restaurants, gas stations, and wireless service providers
  • 1% back on all other purchases
  • No foreign transaction fee
  • No annual fee

Amazon Business Prime American Express Credit Card

Amazon Business Prime American Express Card

Credit: American Express

Prime members should apply for the .

You will enjoy benefits similar to the other Amazon business credit card. However, with this card, you can enjoy a slightly higher Amazon purchase rewards and a large welcome offer (a $125 Amazon.com gift card instead of a $100 balance).

  • $125 Amazon.com Gift Card (upon application approval)
  • 5% back or 90 days financing on U.S. Amazon and Whole Foods-related purchases
  • 2% back at U.S. restaurants, gas stations, and wireless service providers
  • 1% back on all other purchases
  • No foreign transaction fee
  • No annual fee

Get Up to 5% Back on Amazon Purchases

The one negotiable reward with either card version is your Amazon purchase rewards.

You can enjoy purchase rewards on these Amazon-related U.S.-based purchases:

  • Amazon.com
  • Amazon Business
  • AWS
  • Whole Foods Market

With the Amazon Business Prime, you can get 5% back or 90 days interest-free terms. Non-Business Prime members can choose between 3% back or 60 days of interest-free financing.

If you choose interest-free financing, this bonus only applies to the four purchase types above. Your business credit score can help determine your creditworthiness.

Receive an Amazon.com Gift Card Worth Up To $125

Business credit sign-up bonuses usually have high signup bonus spending requirements. For a no annual fee Chase Ink business credit card, you must spend $3,000 in the first three months. Of course, the bonus offer is worth $500 bonus cash, so it’s worth you receive a larger bonus. But, getting an instant signup bonus upon approval is rare for rewards credit cards.

Within 30 minutes of approval, Amazon will load the welcome offer bonus into your linked Amazon account.

Prime members receive a $125 Amazon.com gift card. Non-Prime members enjoy a $100 gift card.

Redeem Purchase Rewards for Amazon.com Credit

With either Amazon business credit card, you have two rewards redemption options:

  • Pay with points at Amazon.com or Amazon Business
  • Cash statement credits

Additional Card Benefits

This card comes with a few other additional card benefits that you may enjoy too.

Amazon Business Enhanced Data View

It can be easier to track your Amazon Business purchases using the Amex enhanced data view. With this benefit, all Amazon Business purchases are listed in a downloadable file. This is in addition to your monthly online statement.

This expense tracking platform is in addition to the American Express purchase tracking programs. With this toolkit, you can track spending by each employee. You can also connect your credit cards to QuickBooks to make accounting easy.

Secondary Rental Car Collision Damage Waiver Protection

When you pay for a rental car with your Amazon business credit card, you get secondary rental car protection.

Since this isn’t a cash rewards card, you might use another credit card to book your business travel purchases. But, it’s something to keep in mind.

Amex Offers

You can also enjoy exclusive American Express offers like ticket presales, discounts on shopping, dining, and travel.

Purchase Protection Benefits

Since this is a cash back credit card that offers Amazon shopping bonuses, you may appreciate two benefits. On select purchases, American Express extends the original product warranty up to two years. You can also be reimbursed for your purchase if a product is damaged or stolen in the first 120 days.

Amazon Echo Dot

Alternatives to the Amazon Business Credit Card

For business credit cards, this is your best option for maximizing Amazon-related purchases. This is especially true if you use AWS for an online business or you have a Business Prime account ($179/year) that lets you enjoy business discounts on Amazon.

But, if Amazon is just a part of your business spending, you might enjoy a Chase Ink business credit card more.

Chase Ink Business Cash

With the Chase Ink Business Cash, you don’t pay an annual fee. You can earn 5% back on the first $25,000 (then 1%) in combined annual spending for these purchases:

  • Internet, cable, and phone services
  • Office supply stores

All other purchases earn 1% back.

So, it’s possible to earn 5% on your AWS purchases. Plus, you don’t have to be a Business Prime member.

When you’re ready to redeem points, you have these redemption options:

  • Amazon.com store credit
  • Cash statement credits
  • Travel
  • Gift Cards

Your redemption options are similar to the Amazon business credit card. In fact, you have a few more.

Chase Ink Business Preferred

With the Chase Ink Business Preferred, you have a $95 annual fee. But, you also have rewards categories and redemption options.

Unlike the no annual fee Ink Cash, you only earn 3 points per $1 on internet service-related purchases. But, you have more earning potential.

You earn 3 points per $1 on the first $150,000 (then 1 point per $1) in combined annual spending:

  • Internet, Cable, and Phone Services
  • Travel
  • Shipping
  • Social Media and Search Engine Advertising

All other purchases earn 1 point per $1.

With the Ink Business Preferred, you can use your Ultimate Rewards points to pay for Amazon.com purchases.

Two Award Travel Redemption Options

However, a more valuable redemption option is booking award travel. When travel rewards are more valuable than cash rewards, you will like the Ink Business Preferred.

Your first award travel redemption option is 25% redemption bonus when you book travel on the Chase travel portal. Note that with the two no annual fee Chase Ink credit cards, you don’t get any redemption bonus.

Arguably, the more valuable travel bonus is 1:1 point transfers. There are 9 airlines and 4 hotel travel partners you can transfer your points to. Some of these partners include Southwest Airlines, United Airlines, and World of Hyatt. When you can book travel directly through these partners and make each point worth more than 1.25 cents each, you can get one of the best credit card redemptions available.

Summary on the New Amazon Business Credit Card

If you spend a lot at Amazon, AWS, or Whole Foods, one of the Amazon Business Credit Cards helps you get up to 5% cash back. You don’t pay an annual fee which means you can use all of your purchase rewards from day one. It’s a business credit card to consider if Amazon is important to your business spending.

Mary Renking

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New Amazon Business Credit Card from American Express
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About the Author

Mary Renking
Mary writes about how to book travel with award miles & points, reviews top travel credit cards, and basic rewards news.

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