Amazon Business American Express Card
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The card_name is a business rewards card designed for small businesses that frequently shop on Amazon. You get 3% back and benefit your bottom line or 60-day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. Earn 3% Back on the first $120,000 in purchases each calendar year, then 1%. You also earn 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. Terms Apply.
Rates & Fees
Terms Apply
Our Rating
3.5/5.0
Welcome Offer
Get a $100 Amazon Gift Card
Annual Fee
No annual fee
0% Intro on Purchases
N/A
Reward Rate
1% – 3%
0% Intro on Balance Transfers
N/A
Welcome Offer
Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Editorial Review
Features & Benefits
Security | EMV Chip Enabled, Alerts |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection |
Rewards
Interest Rates & Fees
Annual Fee | No annual fee |
Foreign Transaction Fee | None |
Regular APR | 18.99% - 26.99% (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.
Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
- 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- High APR
- Requires good credit
What Are the Best Alternatives?
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
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Ink Business Cash® Credit Card
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0
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To view rates and fees of the Amazon Business American Express Card, see this page.