Amazon Business Prime AmEx Review: Pick High Rewards or 0%-Interest Period (2024)

Full Review

The Amazon Business Prime American Express Card is an ideal sidekick for Amazon Prime or Business Prime members aiming to unpack more value from their business-related purchases.

With this business credit card, you'll get either a high rewards rate on Amazon-specific and eligible Amazon-related spending, or a window of time during which you can pay off those purchases interest-free: It's your choice. Either way, you'll also earn elevated rewards on other common business expenses not related to Amazon, and you'll get access to a multitude of business-related side perks.

The card's annual fee is

$0

, though to get it you'll have to be an Amazon Prime or Business Prime member. Not a Prime member? The Amazon Business American Express Card has $ annual fee and does not require a Prime membership.

To view rates and fees of the

Amazon Business Prime American Express Card

, see this page.

Annual fee:

$0

, though an Amazon Prime or Business Prime membership is required. (Pricing for that varies widely, starting at $139 per year for Prime and $69 per year for Business Prime.)

Welcome offer:

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

Rewards:

Technically, "% back" rewards come in the form of points in the Amazon rewards program. Every 100 points earned is equal to $1. Rewards can be applied toward a purchase on your card statement, or toward purchases upon checkout at Amazon.com and via Amazon Business (U.S.).

APR:

The ongoing APR is 19.49%-27.49% Variable APR

.

Foreign transaction fee: None. (But as an American Express card, international acceptance may be an issue.)

Other perks:

Valuable, flexible perks

If you're already knee-deep in the Amazon ecosystem, this card's 5% bonus categories can be quite valuable on spending that you're already doing. Or, if it's more important that you're able to finance a large purchase for your business upfront, the card's 90-day interest-free period can help you out. You'll have the option to choose either depending on where you shop.

For purchases at Amazon Business, Amazon Web Services, Amazon.com, Whole Foods Markets, Amazon Go and Amazon Books, you can select an option on your card management page. (For Amazon Business and Amazon.com purchases, the options will also be available upon checking out.) Regardless of which option you choose, you'll still snag elevated rewards of 2% back in several popular spending categories not related to Amazon at all, and 1% back on everything else. There are no spending caps or limits. Terms apply.

A reasonable welcome offer

For a

$0

-annual-fee card, the

Amazon Business Prime American Express Card

has a decent bonus offer:

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

That’s enough to make up some of the cost of a baseline one-year Amazon Business Prime membership.

Why you might want a different card

Other cards are more travel-friendly

The

Amazon Business Prime American Express Card

isn’t an ideal companion for all business trips. It doesn’t charge foreign transaction fees, but American Express isn't as widely accepted internationally as Visa or Mastercard. The card does pack some basic travel protections, but a business travel card will prove more valuable for frequent travelers. The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, for example, features travel accident insurance, lost luggage reimbursem*nt, trip cancellation coverage and trip delay reimbursem*nt. You'll earn a flat 1.5 points per $1 spent and, as a Mastercard without foreign transaction fees, this card is well equipped to travel.

There are cards with simpler reward structures

The aforementioned

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

is a good option to consider instead thanks to its flat rate on everything you buy — but you can do even better if you're willing to pay an annual fee. The Capital One Spark Cash Plus earns 2% cash back on all purchases, not to mention a generous sign-up bonus.

There are cards bigger bonuses and longer 0% intro APR periods

The Ink Business Unlimited® Credit Card will earn you 1.5% back on everything, including Amazon purchases, but it also offers some stellar introductory offers. You’ll get a hefty sign-up bonus and some interest-free breathing room.

The

Amazon Business Prime American Express Card

is a great choice for Prime or Business Prime customers who already shop Amazon.com and its eligible properties frequently. The option for an interest-free period, in particular, is a welcome one if your business is stretched thin a few months out of the year.

To view rates and fees of the

Amazon Business American Express Card

, see this page. To view rates and fees of the

Amazon Business Prime American Express Card

, see this page. To view rates and fees of

The American Express Blue Business Cash™ Card

, see this page. To view rates and fees of

The Blue Business® Plus Credit Card from American Express

, see this page.