Amazon Business American Express Card

The card_name is a business rewards card designed for small businesses that frequently shop on Amazon. You get 3% cash back on all Amazon purchases, 2% cash back on dining, gas, and wireless phone service, and 1% cash back on everything else. You can also get a $100 Amazon gift card for signing up.

This is not the Amazon Business Prime American Express Card, which gets you elevated rewards with a Prime membership. One selling point that could appeal to cash-strapped small business owners is that you have 60 days to pay instead of 30. We dive into the details and your approval odds in this Amazon Business Amex review.

Welcome Offer

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.

Our Rating

3.5/5.0

Welcome Offer

Get a $100 Amazon Gift Card

Annual Fee

No annual fee

0% on Purchases

N/A

Reward Rate

1% – 3%

0% on Balance Transfers

N/A

Welcome Offer

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.

Features & Benefits

SecurityEMV Chip Enabled, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection

Rewards

1% cash back
On all other eligible purchases
1% Back on other purchases
2% cash back
Cell phone service
2% cash back on wireless telephone services purchased directly from U.S. service providers
2% cash back
Dining
2% cash back at U.S. restaurants
2% cash back
Gas
2% back at U.S. gas stations
3% cash back
Select Categories
3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter

Interest Rates & Fees

Annual FeeNo annual fee
Foreign Transaction FeeNone
Regular APR19.49% - 27.49% (V) APR

Insurance

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Return Protection

With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by AMEX Assurance Company.

Lost Baggage Insurance

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
Cons
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Amazon Business Prime American Express Card
Amazon Business Prime American Express Card

Rating

4.0

Rewards Range

1% to 5%

Annual Fee

No annual fee

The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

Ink Business Cash® Credit Card
Ink Business Cash® Credit Card

Rating

4.8

Rewards Range

1%-5%

Annual Fee

$0

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