Amazon Business Prime American Express Card

The card_name is designed for business owners who use Amazon for business expenses. You can earn up to 5% cash back on Amazon purchases. But the rewards are much less robust for other purchases: 2% on gas, at restaurants, and for wireless phone service, and 1% on everything else. The welcome offer 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 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.

Welcome Offer

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

Our Rating

4.0/5.0

Welcome Offer

Eligible Prime Members get a $125 Amazon Gift Card

Annual Fee

No annual fee

0% on Purchases

N/A

Reward Rate

1% to 5%

0% on Balance Transfers

N/A

Welcome Offer

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

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, 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% 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.
5% cash back
Select Categories
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.

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.

What Credit Score Is Required to Get the Amazon Business Prime American Express Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 670

Average Approved Credit Score: 749

App StatusDateCredit ScoreBureauCredit Limit
Approved01/22/2024
817
Experian
$10,000
Approved07/24/2023
725
Equifax
$22,000
Approved07/24/2023
727
Experian
$22,000
Approved07/24/2023
731
TransUnion
$22,000
Approved05/28/2023
726
Equifax
$3,000
Approved05/28/2023
800
Experian
$3,000
Approved05/28/2023
806
TransUnion
$3,000
Approved04/04/2024
710
Not Provided
$3,500
Approved05/26/2023
670
Equifax
$3,000
Approved05/26/2023
702
Experian
$3,000
Approved05/26/2023
709
TransUnion
$3,000
Approved02/13/2023
717
Experian
$3,000
Approved11/30/2023
774
Experian
$3,000
Approved11/30/2023
806
Equifax
$3,000
Approved11/30/2023
814
TransUnion
$3,000

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • Requires good credit

What Are the Best Alternatives?

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

Rating

4.8

Rewards Range

1%-5%

Annual Fee

$0

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 Premier® Credit Card
Ink Business Premier® Credit Card

Rating

4.9

Rewards Range

2%-5%

Annual Fee

$195

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