Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site (including for example, the order in which they appear). To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Amazon Business American Express Card Review: Is It a Must-Have?

Amazon Business American Express Card Review: Is It a Must-Have?

A decent secondary credit card if your business spends a lot on Amazon or AWS.
Editor's Rating: 3.0/5.0
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

3.0/5.0

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

The Amazon Business American Express Card is a decent secondary card to be used for any Amazon-related purchases (including Amazon Web Services). However, a lackluster welcome bonus and subpar rewards on everyday spending make this a bad primary credit card. Still, given that it has no annual fee, we think it's a great way to save money on your online shopping.

Amazon Business American Express Card Review: A Decent Cash Back Card for Businesses

The new Amazon Business American Express Card is fantastic for businesses that already spend a lot of money through Amazon.com, but it's not competitive as a general business card. Its welcome bonus, a $125 Amazon gift card ($100 if you're not a Prime member), pales in comparison to other small business cards that come with offers worth up to $1,000. The only standout feature on this card is its cash back and 0% financing on Amazon purchases. Given that it has no annual fee (See Rates & Fees), this can make a good secondary card that you use to pay for all your online shopping. However, if you want all your business spending consolidated through a single card, we recommend looking elsewhere.

On American Express' Secure Website

Amazon Business American Express Card

On American Express' Secure Website
  • Get a $100 Amazon.com 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.
  • 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 a broad product selection on Amazon and Amazon Business, 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.
  • Get a $100 Amazon.com 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.
  • 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 a broad product selection on Amazon and Amazon Business, 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.
Annual Fee
No annual fee
Regular APR
16.49% - 24.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good, Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

You don't need to be a Prime member to get this card, but we don't recommend getting it unless you are. Amazon Prime cardholders enjoy an enhanced version of the perks on this card — 5% cash back instead of 3% and 90-day interest free financing instead of 60 days. That being said, we don't recommend signing up for Amazon Prime just to get this credit card. The Amazon Business American Express Card doesn't come with good enough benefits to justify the $119 membership fee.

Beyond the cash back perks and 0% interest, the Amazon Business American Express Card does come equipped with a standard set of features you should expect in a small-business card. You can get employee cards for no additional fee and Quickbooks integration that allows for better expense tracking.

Bottom Line: Get the Amazon Business American Express Card only if you're a small business that has Prime membership and already spends a good deal of money through Amazon. Even then, we recommend this be a secondary card and to use another card for your other day-to-day expenses.

For rates and fees of the Amazon Business American Express Card, please click here.

How Does the Amazon Business American Express Card Compare to Other Cards?

As we said in our review, the Amazon Business American Express Card isn't the best card out there. We thought it would be helpful to give you an idea of how it stacks up against other leading business credit cards to better see its strengths and weaknesses.

Amazon Business American Express Card vs. Capital One® Spark® Cash for Business

The Capital One® Spark® Cash for Business is a gold standard among business credit cards because it offers a flat 2% cash back rate on every purchase. The Amazon Business American Express Card only outperforms it when it comes to Amazon purchases. Most small businesses will have a significantly larger portion of their budget fall into other categories, like office supplies, shipping and advertising. In those types of categories, the Capital One® Spark® Cash for Business reigns supreme.

The only downside of the Capital One® Spark® Cash for Business is its $95 annual fee (waived the first year). Still, it's worth paying as long as you charge at least $19,000 to the card every year. If you don't, you could get the Capital One® Spark® Cash Select for Business instead. That card has no annual fee and comes with a 1.5% cash back rate on all purchases.

Highlights

  • Earn unlimited 2% cash back.
  • $0 intro annual fee for the first year; $95 after that.
  • Get employee cards at no additional cost and earn rewards on their business expenditures.

Amazon Business American Express Card vs. Amazon Prime Rewards Visa Signature Card

You may be wondering how the Amazon Business American Express Card compares to the consumer version of the card. The Amazon Prime Rewards Visa Signature Card is actually worse for businesses. Both cards have no annual fee and similar reward structures. However, the Amazon Business American Express Card also gives you special financing options and Quickbooks integration, which are very valuable perks. On top of that, the Amazon Business American Express Card gives you 5% back on Amazon Web Service. If you're a consumer, get the Amazon Prime Rewards Visa Signature Card instead. The nonbusiness version of the card is a no-frills way to save money on Amazon purchases.

Highlights

  • 5% back at Amazon.
  • 2% back at gas stations, restaurants and drugstores.
  • 1% back on all other purchases.

The information related to the Amazon Prime Rewards Visa Signature Card has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Amazon Business American Express Card vs. The Amazon.com Corporate Credit Line

Small-to-medium-size businesses that simply want access to a revolving credit line can sign up for the Amazon.com Corporate Credit Line. This is not a traditional credit card. So if you're after a card that can be used anywhere, the Amazon Business American Express Card is the better of the two. The Corporate Credit Line is designed to allow businesses to carry a balance month to month at a relatively low cost. You pay a fixed 12.99% APR, which is on par with some of the best business lines of credit.

If you're less interested in financing purchases over a long period of time and would rather earn cash back rewards, go with the Amazon Business American Express Card.

Also, it should be noted that the credit line is managed by Synchrony Bank. In the past, this issuer has not been reviewed favorably by consumers. Many submit complaints about poor customer service and poor account management. The Amazon Business American Express Card is issued by American Express, which is consistently reviewed favorably among users.

Highlights

  • $0 annual fee.
  • 12.99% Purchase APR.
  • No rewards.
  • Not a credit card. Can't be used anywhere except Amazon.com.

Business Card Comparison Tool

We built a tool that allows small-business owners to quickly compare the rewards offered by multiple credit cards based on how you spend. Use this to see how the Amazon Business American Express Card compares to other small-business cards.

Image
Assumptions based on $1,430 monthly spend
Monthly spending:
$
$
$
$
$
$
$
$
{"cardCategory":"rewards","cardIds":"1657,30,1113","initialResultsLimit":14,"endpoint":"https:\/\/creditcards.valuepenguin.com\/api\/creditcards\/models\/rewards","onCurrent":"true"}

Comments and Questions

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).