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You are here: Home / Credit Cards / Amazon Business Prime American Express Card

Amazon Business Prime American Express Card

January 20, 2023 by Gail Kellner

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.

Amazon Business Prime American Express Card
Learn More
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

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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR18.74% - 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 StatusDateCredit ScoreBureauCredit Limit
Approved11/03/2021
813
Experian
$10,000
Approved08/13/2021
800
TransUnion
$25,000
Approved12/08/2020
795
Experian
$10,000
Approved02/12/2021
710
Not Provided
$3,000
Approved03/21/2022
730
Experian
$3,000
Approved03/21/2022
773
TransUnion
$3,000
Approved03/21/2022
761
Equifax
$3,000
Approved07/20/2021
714
Experian
$3,000
Approved11/06/2021
Not Provided
$16,000

What Are the Best Alternatives?

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

Rating

4.9

Rewards Range

1%-5%

Annual Fee

$0

Read Review
American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

$0

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

Rating

4.7

Rewards Range

2%-5%

Annual Fee

$195

Read Review

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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Advertising Disclosure: allCards.com is an independent, advertising-supported blog offering financial product comparisons. We are compensated when users click links to or apply for sponsored financial products including, but not limited to, credit cards or bank/brokerage accounts. Credit card reviews and listings express the opinions of the author alone, and not those of any credit card issuer. The content has not been reviewed, approved or otherwise endorsed by the credit card advertisers. This compensation may impact how or where links appear on this site. This site does not include all available financial companies or offers.

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