Amazon Business American Express Card

For People with
Good Credit



The Amazon Business American Express Card is designed for small business owners who regularly shop at Amazon or Amazon Business, or who make use of Amazon Web Services.

If you’re an Amazon Prime or Business Prime member you’ll get the Amazon Business Prime American Express Card instead of this card, which offers more cash back and a longer repayment period, and it’s made of metal.

Cardholders will earn 3% cash back on purchases from the three services above, along with purchases at Whole Foods Markets. In addition to that, 2% cash back is earned at U.S. gas stations, U.S. restaurants, and U.S. providers of wireless telephone services.

You’ll get a $100 gift card as soon as you’re approved for the account, with no spending requirement.

Cardholders can choose to get 60 days to pay for Amazon purchases, interest free, instead of earning 3% cash back.

American Express provides several business-related benefits, like the Spend Manager, the Relationship Care Service, and the ability to transfer transactions to QuickBooks. You can get up to 99 employee cards, all for free.

This card includes access to the Amex Offers program, which provides discounts at a variety of merchants like Uber, Sherwin-Williams, The Washington Post, and many more.

The Amazon Business American Express Card has no annual fee, and no foreign transaction fees. Balance transfers are not allowed with this card.

Where can I use my Amazon Business American Express Card?

The Amazon Business Credit Card can be used anywhere American Express cards are accepted.

Card Quick Facts

Card Quick Facts

  • 3% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market
  • 2% cash back at U.S. restaurants, gas stations, and wireless telephone services
  • Option to take 60 days to pay for Amazon purchases, interest free, instead of earning cash back
  • $100 Amazon gift card upon account approval
  • Amazon Business enhanced data views
  • Discounts at select merchants through Amex Offers
  • Shopping and travel protections
  • No foreign transaction fees
  • No annual fee

For People with
Good Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 3% cash back at:
    • Amazon Business
    • Amazon Web Services (AWS)
    • Whole Foods Market
  • 2% cash back at:
    • U.S. restaurants
    • U.S. gas stations
    • U.S. wireless telephone services
  • 1% cash back for all other purchases

Introductory Bonus

  • $100 Gift Card upon account approval
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 16.24%–24.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 29.99% Variable
Late Fee Up to $38
Returned Payment Fee $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee 3%, $5 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Employee Cards

    Get up to 99 employee cards, all for free.

  • Amazon Business Enhanced Data Views

    Check all purchases item by item in an easily downloadable statement.

  • Amex Offers

    Get discounts and extra cash back at select retailers.

  • Relationship Care Service

    Call to speak with a specially trained business-oriented customer support team.

  • Account Manager

    Designate a trusted employee or business partner to handle tasks like making payments and reviewing statements.

  • Spend Manager

    Add receipts and notes to your transactions.

  • Connect to Quickbooks

    Easily transfer transaction data to QuickBooks.

  • Year-End Summary

    A complete summary of transactions, categorized by month and purchase type.

  • Dispute Resolution

    Help dealing with fraudulent and unauthorized transactions.

  • Account Alerts

    Set alerts to notify you when payments are due, when employees make purchases, and more.

  • Purchase Protection

    Eligible purchases are covered against damage and theft for 120 days, up to $1,000 per occurrence.

  • Extended Warranty

    Eligible manufacturer’s warranties of 5 years or less can be doubled by up to 2 additional years.

  • Travel Accident Insurance

    Up to $100,000 in coverage against accidental death and dismemberment when traveling by common carrier.

  • Baggage Insurance Plan

    Covers eligible lost, stolen, or damaged luggage, up to $1,250 for carry-on bags and $500 for checked bags.

  • Global Assist Hotline

    Call for help when traveling more than 100 miles from home. Third party service charges will apply.

  • Roadside Assistance Hotline

    Call for help when driving, for assistance finding services like towing, tire changes, jumpstarts, and more.

  • Car Rental Loss and Damage Insurance

    Decline the car rental company’s insurance to get coverage against collision damage and theft of eligible rental vehicles.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

The Insider

Ellen Sirull
Can You Rent a Rental Car With a Debit Card? Why You May Want to Reconsider
Ellen Sirull | May 23, 2019

Many rental car companies allow you to rent with debit cards, with some restrictions, but is it really a good idea compared to credit cards? Find out here.

Read More
Sean Messier
How Can I Easily Stop Getting So Many Credit Card Offers In The Mail?
Sean Messier | May 23, 2019

Tired of pre-approved credit card offers? Find out why you're getting them, how to opt out, and why these offers might actually be worth your time.

Read More
Susan Shain
7 Best Credit Cards for Building Credit
Susan Shain | May 22, 2019

Just starting your credit journey and looking for the best credit cards to build credit? Here are seven solid options — some even with cash back rewards!

Read More