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Amazon Business American Express Card

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Potentially a good option for small business owners who prefer to utilize Amazon services, the Amazon Business American Express Card features cash back at Amazon, Amazon Business, and Amazon Web Services. You’ll also have the option of taking 60 days to pay for Amazon purchases rather than earning cash back.

The information related to Amazon Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

American Express is a Credit Card Insider advertiser.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 15.24%–23.24% Variable

Amazon Business American Express Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features


  • 3% cash back (up to $120,000 spent per year) 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

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR 29.99% Variable
Late Fee Up to $39
Returned Payment Fee $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.99% Variable
Cash Advance Fee 3%, $5 minimum
How to Get a Cash Advance with a Credit Card
Amazon Business American Express Card


  • 3% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market (up to $120,000 spent per year)
  • 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

American Express Business

American Express Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-528-4800 or

Try a different phone number
See all Issuer Cards

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 (Review) 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. The 3% rate is limited to the first $120,000 spent per year. 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 Amex Business App, 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.