MoneyGeek’s Take

Amazon Business Card Review

The Amazon Business Card doesn’t have an annual fee or foreign transaction fees. It also offers a great rewards program, making it a worthwhile card for business owners to consider.

Last Updated: 5/30/2022

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Reviewed By

Brett Holzhauer

Quality Verified

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There are many benefits that come with the Amazon Business Card. It protects your baggage and car rentals and gives you protection as well as an extended warranty on your purchases. Its rewards reach up to 3% at specific merchants. However, this card can have a high APR depending on your credit profile. It also has expensive penalties for late payments.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Credit Needed
Good – Excellent

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Amazon Business Card at a Glance

The Amazon Business Card has a generous rewards program and no annual fee. Its benefits are great for business owners who have frequent foreign transactions or travel internationally.

Amazon Business Card
A good rewards card for business owners who make purchases through Amazon.com and Amazon Business
- Good – ExcellentCredit Needed
- $0Annual Fee
- 1 – 3% Cash BackRewards Rate
- 14.99% – 22.99%APR
Pros
No annual fees
Get an Amazon gift card after approval
Earn up to 3% back on purchases
Pay off Amazon Business eligible purchases through 60-day terms
No foreign transaction fees
Employee cards

Cons
No intro APR offer
Penalty APR may apply if you make a late/returned payment
No annual and foreign transaction fees
Get a $100 Amazon.com gift card upon approval
60-day terms or 3% back on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market
3% back applies on a total spending of up to $120,000 each calendar year, and you get 1% back thereafter
2% back at U.S. restaurants and U.S. gas stations, as well as on wireless telephone services you purchase directly from U.S. service providers
Redeem points to at checkout when shopping at Amazon Business (U.S.) and Amazon.com, or apply them toward purchases made using your card
Employee cards earn rewards too
Assign dedicated account managers
Get year-end summaries
Connect to QuickBooks
Complimentary car rental loss and damage insurance and baggage insurance plan
Complimentary purchase protection and extended warranty
Access to Amex offers
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

Pros & Cons Explained

The Amazon Business Card has many benefits that make it worth considering, but there might be some deal breakers you’ll want to evaluate as well.

Pros

Benefits
Description
No foreign transaction fee
There are no fees for purchases made abroad.
No annual fee
Cardholders don’t need to pay membership fees to enjoy the benefits of the Amazon Business Card.
Access to insurance and warranties
Cardmembers can benefit from baggage insurance, car rental loss and damage insurance, extended warranty and purchase protection. With these perks, you can travel and shop more comfortably. However, these coverages have limitations.
Employee cards
Your employees can get their own cards tied to your Amazon Business Card. These cards are issued for free. You can even monitor their expenses through spending limits, alerts and summary reports.
Generous cash back program
Cardmembers can earn 1% to 3% cash back depending on where they use their cards.

Cons

Drawbacks
Description
Maximum regular APR is high
The APR range for this card is 14.49%–22.49%. This is higher than the average across most other cards.
Late fee
You could incur a late fee of up to $39 if you don’t make your payments on time.
Returned payment fee
If your payment is returned, you could be charged a fee of up to $39.

LOOKING FOR THE BEST CREDIT CARDS OF 2022?

The Amazon Business Card is not one of our top choices for business credit cards. You can check our list of best business credit cards to see how this card compares to other rewards cards.

Bonuses & Rewards Explained

If you are thinking about applying for the Amazon Business Card, it can be beneficial to understand how the card’s bonuses and rewards work. Here’s what you need to know.

3% back or 60-day terms

Get 3% cash back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. This rate only applies to the first $120,000 spent in the calendar year. After this, a 1% reward rate will apply. However, it will reset (3% for the first $120,000) at the start of another calendar year. Cardmembers can choose to have a 60-day term for these purchases. For this option, you can finance your purchases for 60 days without any interest.

2% back rewards

A 2% reward rate is applied when you use your Amazon Business Card in U.S. restaurants, U.S. gas stations and for wireless telephone services. The rewards on wireless telephone services only apply to those purchased directly from U.S. service providers.

1% back rewards

Other purchases not included in the 2% and 3% back rewards programs are eligible for the 1% reward rate. Cardmembers can earn 1% from their purchases in all other categories.

$100 gift card welcome offer

A $100 Amazon.com gift card is automatically added to your account once you have been approved for the card.

Other Features Explained

This card comes with a wide range of features that can help you track your credit card expenses as well as the expenses of your employees.

Card Feature
Description
Enhanced Data Views
American Express collects data from your Amazon Business Card transactions so it can give you a detailed list of your purchases. This list can be downloaded from your online statement. Business owners can benefit from this feature when they want to track their expenses.
Employee card spending controls
The primary cardholder can put spending limits and category alerts on employee cards. Spending limits can be set online or by calling the customer service number on the back of your Amazon Business Card. Category alerts will also be sent to the primary cardholder when an employee card is used for purchases outside of the authorized spending category.
Dispute resolution
The credit card issuer will help cardmembers resolve credit card claims when there are alleged fraudulent or incorrect transactions on your statement. Remember that cardmembers might not always get a positive result from dispute resolution, but getting help from the issuer is a huge help.

MONEYGEEK QUICK TIP

Be aware of the reward rates of your card so you can strategically use your card to earn the greatest number of points. With this card, spending more on Amazon Business, AWS, Amazon.com and Whole Foods Market also helps you earn more.

Understanding the Fine Print

Pay attention to the details when it comes to fees and charges associated with your credit card. Look at the fine print to ensure you avoid avoidable charges.

Card Feature
Amount or Rate
APR
14.99% – 22.99%
Annual Fee
$0
Cash Back Rewards
Rewards Rate
1 – 3% Cash Back
Airline Benefits
Rewards Rate on Groceries
1x
Rewards Rate on Gas
2x
Rewards Rate on Dining
2x
Rewards Rate on Entertainment
1x
Rewards Rate on Online Shopping
3x
Rewards Rate on TV, Phone, Internet Services
2x
Rewards Rate on Air Travel
1x
Rewards Rate at Hotels
1x
Balance Transfer Fee
Unspecified
Balance Transfer APR
Unspecified
Late Fees
$39
Cash Advance Fee
3%
Cash Advance APR
25.74%
Foreign Transaction Fee
None

No foreign transaction fee
A foreign transaction fee is an additional charge for every purchase made outside of the United States. Fortunately, the Amazon Business Card doesn’t have these fees. This can be a huge advantage for business owners who make purchases outside of the U.S.
Penalty APR
The penalty APR for this card is 29.49%. This APR will apply when you make a returned payment, have two late payments in 12 months or when you fail to pay the minimum monthly amount due on time.
Regular purchase APR
This card has a regular purchase APR of 14.49%–22.49%. Your rate will depend on your creditworthiness and other factors that may affect your application. It also varies on the Prime Rate.
1%–3% cash back rewards
Cardholders can earn 1%–3% back on their purchases depending on the purchase.

WHERE TO FIND THIS INFORMATION?

Some credit card information may not be included in MoneyGeek's resources, but you can find it in a variety of places. You can get information from your most recent billing statement, the issuer’s official website, your credit card agreement, the terms and conditions and other sources.

Who Should & Shouldn’t Consider Amazon Business Card?

Other Considerations for Amazon Business Card

Having the Amazon Business Card in your wallet can mean different things to different people. Whether you’re getting this as your first or only card or as an additional card in your wallet, be sure to consider the implications of how you intend to use it.

Things to Consider if This Will Be Your First or Only Credit Card

The Amazon Business Card requires a good to excellent credit score. If this is your first credit card, it might be difficult to qualify since your credit history is not established yet. Before applying, it’s best to consider your credit profile to make sure that you pass the minimum credit requirements.

This card also has a high APR, which might result in huge credit card bills if it is your only card and you plan on carrying a balance. For cases like this, it’s best to look for a card with a lower APR to minimize your expenses on interest rates alone.

Things to Consider if This Will Be an Additional Card in Your Wallet

The Amazon Business Card can help you earn rewards thanks to its 3% rewards rate. This can help accelerate your earning capacity with your credit cards.

It’s also good to consider your spending patterns. In this case, if you spend a lot on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market, this card can be a good addition to your wallet. It may also be a better card to use on foreign transactions if you have other cards that charge fees for these types of purchases.

WHY TRUST OUR REVIEWS:

MoneyGeek obtained information from roughly 2,500 credit cards listed in the Consumer Financial Protection Bureau's credit card agreement database. During our process, we assessed data points and analyzed average expenditure profiles and card bonuses. We also review and re-rank the data regularly to ensure it is current.

How Amazon Business Card Compares to Other Cards

Due to its lack of fees, the Amazon Business Card can be useful for a lot of card owners. However, comparing it against other credit cards can help you figure out whether this credit card is the best for you.

Quick Comparison of Amazon Business Card

Amazon Business Card

Credit needed: Good to excellent
Reward rate: Up to 3% back rewards
Annual fee: None
APR range: 14.49%–22.49%
Best for: Business owners who frequently make overseas purchases. It’s also great for those who want to closely monitor their credit card expenses

Chase Ink Business Cash

Credit needed: Good to excellent
Reward rate: Up to 5% cash back
Annual fee: None
APR range: 13.24%–19.24%
Best for: This card is best for small business owners who want to earn generous rewards

Other Helpful Decision-Making Q&As

MoneyGeek is committed to giving you the information you need to make good financial decisions. The following are commonly asked questions about the Amazon Business Card so that you can decide if it’s the right card for you.

Still not sure about this card? Consider these options.

The Amazon Business Card has features that are useful for business owners. If you're still undecided about getting the Amazon Business Card, take a look at some of the other cards that provide significant rewards, such as rewards cards or gas cards.

View All Credit Cards

Learn more about credit cards in general

sources

Amazon. "Amazon Business American Express Card." Accessed April 13, 2022.
American Express. "Amazon Business Card." Accessed April 13, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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