Amazon Business Prime American Express Card

The Amazon Business Prime American Express Card is designed for business owners who use Amazon for business expenses. You can earn up to 5% cash back, but if you don’t spend much money at Amazon, the rewards are much less robust: 2% on gas, at restaurants, and for wireless phone service, and 1% on everything else. The bonus is a $125 Amazon gift card. There’s also a spending cap on the 5% rewards, although it’s a generous $120,000. If you don’t already have an Amazon Prime membership, you will earn 3% cash back. We dive into the details and your approval odds in this Amazon Business Prime review.

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Rates & Fees
Terms Apply

Our Rating
4.0/5.0

Welcome Offer
$125

Annual Fee
$0

0% on Purchases
None

Rewards Rate
1% to 5%

0% on Balance Transfers
None

Rewards

5% cash back

All eligible purchases

5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.

2% cash back

Cell phone service

2% Back on wireless telephone services purchased directly from U.S. service providers.

2% cash back

Dining

2% Back at U.S. restaurants.

2% cash back

Gas

2% Back at U.S. gas stations.

1% cash back

On all other purchases

1% Back on other purchases.

Welcome Offer

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.

Pros & Cons

Pros

• Welcome bonus
• No annual fee
• No foreign transaction fee
• Up to 5% cash back

Cons

• Requires good credit

Features & Benefits

Security	EMV Chip Enabled, Zero Liability, 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

Interest Rates & Fees

Annual Fee	$0
Foreign Transaction Fee	None
Regular APR	18.74% - 26.74% (V) APR

What Credit Score Is Required to Get the Amazon Business Prime

Based on data we’ve collected from public forums, a credit score of 760 or higher is ideal. We have seen an approval with a score as low as 710, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	11/03/2021	813	Experian	$10,000
Approved	08/13/2021	800	TransUnion	$25,000
Approved	12/08/2020	795	Experian	$10,000
Approved	02/12/2021	710	Not Provided	$3,000
Approved	03/21/2022	730	Experian	$3,000
Approved	03/21/2022	773	TransUnion	$3,000
Approved	03/21/2022	761	Equifax	$3,000
Approved	07/20/2021	714	Experian	$3,000
Approved	11/06/2021		Not Provided	$16,000

What Are the Best Alternatives?

Ink Business Cash® Credit Card

Rating

4.9

Rewards Range

1%-5%

Annual Fee

$0

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American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

$0

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New Business Card! Ink Business Premier(SM) Credit Card

Rating

4.7

Rewards Range

2%-5%

Annual Fee

$195

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