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  1. Credit Cards
  2. Amazon Business
American Express

Amazon Business

This card is built for businesses that spend regularly with Amazon and Whole Foods and want a simple way to earn rewards without paying an annual fee. It works best as a specialist business card for Amazon-heavy purchasing, with a few useful bonus categories that can also cover common operating expenses.

Welcome Offer
10,000 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Amazon-heavy businesses
Estimate your value
Amazon Business

All information about Amazon Business has been collected independently by MaxRewards. Amazon Business is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Amazon Business worth it?

This card is great for...

Amazon supply purchases

Whole Foods business spending

Gas and phone bills

If your business already buys a meaningful share of its supplies, equipment, or everyday items through Amazon, the Amazon Business card is an easy recommendation. The 3% back at Amazon and Whole Foods is the main reason to carry it, and the added 2% back on dining, gas, and telecommunication services gives it a little more range for day-to-day business spending. With no annual fee and no foreign transaction fees, there is very little downside if those categories line up with how you spend.

For most businesses, though, this is not a complete primary card. The value drops off once you move outside its bonus categories, and the rewards are most compelling when Amazon is already one of your regular vendors. If your spending is spread across many suppliers or you want flexible travel rewards, a broader business card will likely fit better. This one makes the most sense as a focused card for Amazon purchases first, with the side benefit of covering a few common expenses well.

MaxRewards

MaxRewards Verdict

A strong no-annual-fee pick for businesses that buy from Amazon often enough to make 3% back meaningful. If Amazon is not a major part of your purchasing, its appeal gets much narrower.

Welcome Offer

10,000 Points

after you spend $1 on purchases on your new card in your first 1 months of card membership.

Est. Value

$100

Required Spend

$1

Time Frame

1 Month

Est. Value

$100

Required Spend

$1

Time Frame

1 Month

Earning

Rewards

The rewards setup is straightforward: the card is most valuable when you use it at Amazon and Whole Foods, then still useful for a few routine business categories like gas, dining, and telecom. Think of it as targeted business cash back in Amazon rewards rather than an all-purpose top earner.

CategoryRate

Amazon

3%

Whole Foods

3%

Dining

2%

Gas

2%

Telecommunication

2%

Everywhere

1%

Rewards percent based on a valuation of 1¢ per Amazon point

Benefits

Insurance

Car Rental Loss and Damage Insurance

Can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use Your Eligible Card to reserve and pay for an Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.


Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.


Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.


Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.


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

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

17.74% - 25.74%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

For rates and fees of Amazon Business, please visit the American Express website.

Table of Contents

Amazon Business

Amazon Business

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $3,000

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $1,750

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.