Best Amazon Business Credit Cards for 2023
This article is part of a larger series onBest Small Business Credit Cards.
Editor’s note:This is a recurring post with regularly updated card details.
最好的信用卡频繁亚马逊购物offer either cash back or expanded buying power. Four of the Amazon cards below come with cash back rewards, whereas the American Express Blue Business® Plus features expanded buying power and an introductory 0% annual percentage rate (APR) on purchases for the first 12 months.
Here are the five best Amazon business credit cards:
- Amazon Business Prime American Express Card:Best for Amazon Prime members
- Amazon Business American Express Card:Best for those with no Amazon Prime Membership
- Amazon Premium Rewards Visa Signature Card:Best for Amazon Prime members who aren’t qualified for an Amazon business credit card
- Amazon Rewards Visa Signature Card:Best for those who don’t have Amazon Prime and don’t qualify for an Amazon business credit card
- American Express Blue Business® Plus:Best for those who need to exceed their credit limit
Amazon Business Credit Cards of 2023 at a Glance
Best For |
Unique Rewards |
|
---|---|---|
Amazon Business Prime American Express Card |
Amazon Prime members |
Either 5% cash back or 90-day terms on United States purchases at Whole Foods Market and on Amazon, Amazon Business, and Amazon Web Services (AWS) |
Amazon Business American Express Card |
Those with no Amazon Prime membership |
Either 3% cash back or 60-day financing on US purchases at Amazon Business, AWS, Amazon, and Whole Foods Market |
Amazon Prime Rewards Visa Signature Card |
Amazon Prime members who aren’t qualified for an Amazon business credit card |
5% cash back at Amazon and Whole Foods Market, plus 10% or more on a rotating selection of items and categories on Amazon.com |
Amazon Rewards Visa Signature Card |
Non-Prime members who aren’t qualified for an Amazon business credit card |
3% cash back at Amazon and Whole Foods Market, 2% cash back on restaurants, drug stores, and gas stations, and 1% on all other purchases |
American Express Blue Business® Plus |
Those who need to exceed their credit limit |
2x points on the first $50,000 in purchases each year, then 1x point when the $50,000 is capped |
Note:To qualify, all these cards require you to have a good to excellent credit score. Also, all cards listed don’t charge annual fees.
There are a variety of credit cards (business and personal) best suited for those who shop on Amazon frequently. These can come with cash back rewards, interest-free financing, and unique features. The best Amazon credit card for your business depends on your spending needs, rewards preference, budget, and interest-free financing needs.
1. Preferred Rewards
现金奖励将有助于最大限度地提高您的业务spending, especially if most of your purchases are from Amazon. If you want Amazon-specific rewards, you may consider getting the following:
- Amazon Business Prime American Express Card
- Amazon Business American Express Card
- Amazon Prime Rewards Visa Signature
- Amazon Rewards Visa Signature
If you want fixed-rate rewards regardless of spending categories, you may consider getting the American Express Blue Business® Plus.
2. Interest-free Financing
Interest-free financing is important, especially if you plan to make large purchases. Consider getting the American Express Blue Business® Plus, which offers 0% introductory APR on purchases for the first 12 months after card ownership.
3. Unique Features
Out of the five credit cards, American Express Blue Business® Plus offers expanded buying power, which lets you spend beyond your credit limit. Do note, however, that the amount that you can spend will depend on your credit score, financial resources, payment history, and card usage.
Amazon Business Prime American Express Card: Best for Those With Amazon Prime Membership
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 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% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory APR
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance:Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance:Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 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% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory APR
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance:Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance:Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
When To Get the Amazon Business Prime American Express Card
Amazon Business Prime American Express Card is best for business owners who are Amazon Prime members. You can choose between 5% cash back or 90-day terms on US purchases at Whole Foods Market and on Amazon, Amazon Business, and AWS.
If you select cash back rewards, the 5% will apply on the first $120,000 in purchases each calendar year, then 1% thereafter. You’ll also earn 2% cash back on restaurants, gas stations, and wireless telephone services purchased directly from US service providers and 1% cash back on all other purchases.
The card offers protection coverage such as return protection, extended warranty protection, and baggage insurance plan.
而亚马逊业务'美国运通卡doesn’t charge an annual fee, it offers a short 0% introductory period compared to other business credit cards. Hence, you’ll be charged with its regular APR, which runs from 18.74% to 26.74% variable, after the first 90 days. Also, its premium features are available only to those with an Amazon Prime membership—which costs $139 annually.
If you aren’t a Prime member but make frequent purchases at Amazon-owned companies, check out the Amazon Business American Express Card. You can also consider American Express Blue Business® Plus, especially if you’ll be exceeding your credit limit for making significant purchases.
Amazon Business American Express Card: Best for Those With No Amazon Prime Membership
Amazon Business American Express Card
BEST FOR:
3% back or 60-day repayment terms
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 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
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
- No annual fee:You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership:Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period:You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000:You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed:This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection:If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance:If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty:American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection:The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 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
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
- No annual fee:You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership:Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period:You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000:You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed:This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection:If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance:If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty:American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection:The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
When To Get the Amazon Business American Express Card
Amazon Business American Express Card is viable for those who frequently shop at Amazon-owned companies but don’t have an Amazon Prime membership. It lets you choose between 3% cash back or 60-day financing on US purchases at Amazon Business, AWS, Amazon, and Whole Foods Market.
If you choose to earn rewards, you’ll earn 3% cash back on the first $120,000 in purchases for each calendar year, then 1% thereafter. And like the Amazon Business Prime American Express Card, you’ll earn 2% cash back on restaurants, gas stations, and wireless telephone services purchased directly from US service providers and 1% cash back on all other purchases.
Also, this card offers protection coverage, such as return protection, extended warranty protection, and a baggage insurance plan.
Amazon Business American Express Card offers a shorter 0% introductory period compared to other business credit cards and will charge you a regular APR of 18.74% to 26.74% after the first 60 days. It also doesn’t allow balance transfers, so it’s not a good option if you need to transfer a balance from another card.
Amazon Prime Rewards Visa Signature Card: Best for Prime Members Not Qualified for an Amazon Business Card
Amazon Prime Rewards Visa Signature Card
BEST FOR:
Those with Amazon Prime who were not qualified for an Amazon Business Credit Card
- Get a $50 Amazon.com Gift Card instantly upon credit card approval
- 5% Back at Amazon.com and Whole Foods Market
- 2% Back at restaurants, gas stations, and drugstores
- 1% back on all purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Lucrative cash back rewards on Amazon and Whole Foods
Cons
- No 0% introductory APR on purchases and balance transfers
- Requires you to have Amazon Prime prior to application, which costs $139 annually
- High balance transfer fee
- 奖励不广泛的境况ed to its Amazon business credit card counterpart
- Travel and emergency assistance
- Lost luggage reimbursement
- Baggage delay insurance
- Travel accident insurance
- Get a $50 Amazon.com Gift Card instantly upon credit card approval
- 5% Back at Amazon.com and Whole Foods Market
- 2% Back at restaurants, gas stations, and drugstores
- 1% back on all purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Lucrative cash back rewards on Amazon and Whole Foods
Cons
- No 0% introductory APR on purchases and balance transfers
- Requires you to have Amazon Prime prior to application, which costs $139 annually
- High balance transfer fee
- 奖励不广泛的境况ed to its Amazon business credit card counterpart
- Travel and emergency assistance
- Lost luggage reimbursement
- Baggage delay insurance
- Travel accident insurance
When To Get the Amazon Prime Rewards Visa Signature Card
Amazon Prime Rewards Visa Signature Card, a personal credit card from Chase, is ideal for Prime members who aren’t qualified for a business credit card from Amazon. You’ll get a $50 Amazon Gift Card instantly upon approval.
It lets you earn 5% cash back at Amazon and Whole Foods Market, plus 10% or more on a rotating selection of items and categories on Amazon.com. You can also earn 2% cash back on restaurants, drugstores, and gas stations and 1% on all other purchases.
Earned rewards can be used when shopping on Amazon.com. A hundred points are equal to $1 when redeemed towards eligible purchases. Alternatively, you can redeem your earned points through Chase—either as cash back, gift cards ($25 gift cards for 2,500 points), or travel rewards.
This card doesn’t charge annual and foreign transaction fees. It offers protection coverages, such as travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, and travel accident insurance.
This personal credit card requires an Amazon Prime membership, which costs $139 annually, to qualify. Its business credit card counterpart, Amazon Business Prime American Express Credit Card, extends the rewards to more spending categories. Also, it lacks a 0% introductory APR on purchases and balance transfers. If you don’t want the annual Amazon Prime membership, consider getting the Amazon Rewards Visa Signature.
Amazon Rewards Visa Signature Card: Best for Non-Prime Members Not Qualified for an Amazon Business Credit Card
Amazon Rewards Visa Signature Card
BEST FOR:
Those without Amazon Prime who weren’t qualified for an Amazon Business Credit Card
- 3% cash back on purchases made at Amazon and Whole Foods Market
- 2% Back at U.S. restaurants, gas stations, and drugstores
- 1% Back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Lucrative cash back rewards on Amazon and Whole Foods
Cons
- No 0% introductory APR on purchases and balance transfers
- High balance transfer fee
- 奖励不广泛的境况ed to its Amazon business credit card counterpart
- Travel and emergency assistance
- Lost luggage reimbursement
- Baggage delay insurance
- Travel accident insurance
- 3% cash back on purchases made at Amazon and Whole Foods Market
- 2% Back at U.S. restaurants, gas stations, and drugstores
- 1% Back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Lucrative cash back rewards on Amazon and Whole Foods
Cons
- No 0% introductory APR on purchases and balance transfers
- High balance transfer fee
- 奖励不广泛的境况ed to its Amazon business credit card counterpart
- Travel and emergency assistance
- Lost luggage reimbursement
- Baggage delay insurance
- Travel accident insurance
When To Get the Amazon Rewards Visa Signature Card
Amazon Rewards Visa Signature Card from Chase is a personal credit card that’s best for those who aren’t qualified for a business credit card yet want to earn premium Amazon rewards. It offers a $50 Amazon Gift Card instantly upon approval and lets you earn 3% cash back at Amazon and Whole Foods Market, 2% cash back on restaurants, drug stores, and gas stations, and 1% on all other purchases.
You can use your earned rewards either on Amazon.com or through Chase—as cash back, gift cards ($25 gift cards for 2,500 points), or travel rewards. Note that a hundred points equal $1 when redeemed towards eligible purchases.
Aside from not charging any annual and foreign transaction fees, it offers protection coverages such as travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, and travel accident insurance.
Amazon Rewards Visa Signature Card is a personal credit card with rewards that are not as extensive as its business credit card counterpart, the Amazon Business American Express Credit Card. It also doesn’t offer a 0% introductory APR to purchases and balance transfers. Hence, a regular APR of 18.74% to 26.74% will immediately apply when you purchase or transfer a balance from another card.
American Express Blue Business® Plus: Best for Those Who Need to Exceed Their Credit Limit
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power:The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection:Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection:American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power:The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection:Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection:American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
When To Get the American Express Blue Business® Plus
American Express Blue Business® Plus is designed for those needing expanded buying power, which allows you to go over your credit limit. Aside from offering a 0% introductory APR on purchases for the first 12 months from account opening, it lets you earn 2x points on the first $50,000 in purchases each year, then 1x point when the $50,000 is capped.
此外,它有一个注册会员15000 R的奖金ewards® points after spending $3,000 in eligible purchases within your first three months of card membership. Your earned points can be used to pay for purchases made with Amazon, American Express Travel, Ticketmaster, Best Buy, and other retailers.
American Express Blue Business® Plus offers protection coverages, such as car rental loss and damage insurance, purchase protection, and extended warranty protection.
American Express Blue Business® Plus charges foreign transaction fees, and its 2x points rewards are capped when the $50,000 is met. Also, its 0% introductory APR does not extend to balance transfers. Hence, the regular APR of 17.74% to 25.74% will apply when you transfer a balance from another card. Finally, cash advances aren’t allowed.
If you want a higher cap, consider the Amazon Business Prime American Express Card or Amazon Business American Express Card.
Alternatives To Amazon Business Credit Cards
Amazon Business Line of Credit
If you’re an Amazon seller, then the Amazon Business Line of Credit, a financing option offered by Marcus by Goldman Sachs, is a great alternative. It’s offered by invite and allows you to pay in full within 55 days of purchase. Note that a business line of credit works similarly to a credit card, where you can draw money to spend on your business and pay it over time.
Learn more about theAmazon Business Line of Credit and its alternatives.
Amazon Pay By Invoice
Amazon’s Pay by Invoice gives eligible Amazon Business customers an extended due date for payment whenever they purchase on credit. Using this method will help improve your cash flow and streamline purchasing and payments. Like Amazon’s Business Line of Credit, this is also by invite only.
Bottom Line
The best credit cards from Amazon earn top rewards you can redeem for Amazon purchases easily. They typically come with introductory offers like free gift cards and statement credits that you can use for future purchases. If you’re only an occasional Amazon shopper, you may be better off with a non-Amazon branded card. Check out our roundup of thebest small business credit cardsfor options.