Amazon Business Prime American Express Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn a $125 Amazon.com Gift Card upon approval (no minimum spend requirement); gift card is loaded into your Amazon.com account automatically after the Card is approved and an active Amazon Business Prime membership is detected. Standard public offer per americanexpress.com / amazon.com landing pages; occasionally elevated to $150-$200 during Prime Day, Black Friday, and Small Business Saturday promotions.
Benefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Statement credits
2- $0Rewards are issued as Amazon points that redeem 1
Rewards are issued as Amazon points that redeem 1:1 as statement credit at Amazon.com checkout (1 point = $0.01 / $1 = 1 point = $0.01 in Amazon credit), there is no transfer-partner program, no airline/hotel option, and no cash-back deposit; redemption is Amazon-only
- Amex Offers
Amex Offers: targeted statement credit and bonus-points offers from merchants when you enroll and pay with the Card, useful for stacking on non-Amazon business spend
Perks & memberships
3- No foreign feesNo foreign transaction fees on purchases made outside the U.S. (verified per Amex Schumer box and TPG/UpgradedPoints reviews), unusual for a $0-AF U.S. business card
- Authorized usersFree employee cards: add unlimited employee cards at no additional annual fee, set per-card spending limits, and earn the same category multipliers on employee spend; real-time controls via Amazon Business Account Manager + Amex Business App
- Payment flexibilityPay Over Time: option to carry a balance with interest on eligible purchases of $100 or more rather than paying in full each month (rare among Amex small-business charge products)
Travel & purchase protections
4- Car Rental Loss and Damage Insurance (secondary in the U.S., primary outside the U.S.) when you reserve and pay with the Card and decline the rental company's collision damage waiver; terms apply
- Purchase Protection on eligible new purchases against accidental damage or theft for up to 90 days from the date of purchase, up to $1,000 per occurrence and $50,000 per cardmember account per calendar year
- Extended Warranty: up to 1 additional year added to eligible original manufacturer's warranties of 5 years or less, up to $10,000 per item and $50,000 per cardmember account per calendar year
- Global Assist Hotline: 24/7 medical, legal, financial, and emergency coordination and referral services when traveling more than 100 miles from home (third-party costs are cardholder's responsibility)
More benefits & fine print (10)ShowHide
- 5% back (or 60-day payment terms, your choice per purchase) on U.S. purchases at Amazon Business, AmazonFresh, Amazon.com, and Whole Foods Market. REQUIRES an eligible Amazon Business Prime membership ($69-$10,099/year depending on plan tier); rewards capped at $120,000 in annual purchases per Card, then drop to 1% for the remainder of the year
- 5% back also extends to Amazon Web Services (AWS) purchases up to the same $120,000 annual cap when paired with Amazon Business Prime
- Toggle per purchase: instead of taking 5% back on an eligible Amazon Business / AWS / Whole Foods charge, you can elect 90-day payment terms (interest-free), useful for cash-flow management on large inventory orders; the toggle is set inside the Amazon Business account on a transaction-by-transaction basis
- 3% back (or 60-day payment terms) on the same Amazon Business / AmazonFresh / Amazon.com / AWS / Whole Foods purchases if you do NOT have an Amazon Business Prime membership, same $120,000 cap, then 1%
- 2% back at U.S. restaurants, U.S. gas stations, and on U.S. wireless telephone services purchased directly from service providers, no cap, applies whether or not you have Business Prime
- 1% back on all other eligible purchases, no cap
- Deep Amazon Business integration: line-item detail on every Amazon Business invoice flows directly into the Card statement (item names, SKUs, ship-to addresses, requisitioner names), eliminates manual expense-report line-itemization for Amazon spend
- Amazon Business multi-user account support: link the Card to a single shared Amazon Business account so multiple authorized buyers and approval workflows post against one consolidated statement
- Expanded Buying Power: spend above your assigned credit limit on eligible one-time purchases, limit flexes based on credit profile, payment history, and account spend patterns rather than acting as a hard cap
- Best-fit use case: small businesses with $20K-$120K/year of legitimate Amazon Business / AWS spend (office supplies, MRO, electronics, cloud compute, Whole Foods catering) where 5% back returns $1,000-$6,000/year, easily pays for the Business Prime membership ($69-$179 tier covers most SMBs) and the Card itself stays free
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See the Current Offer
Earn $125 Amazon.com Gift Card
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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