Amazon Business Prime American Express Card

Earning Rates

Key Benefits

All Benefits

• 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
• 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
• No annual fee ($0) for the Card itself — note Amazon Business Prime membership ($69-$10,099/year) is a separate cost required to unlock the 5% earn tier
• No 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
• Free 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
• 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
• QuickBooks Online + Excel CSV/QFX export via Amex Business Expense Management — Amazon Business itemized data exports with full SKU/category detail, not just merchant-level transaction totals
• Variable purchase APR of 19.49%-27.49% (as of recent disclosures; adjusts with Prime Rate); 0% intro APR on purchases for 6-12 months from account opening on some recent offer cycles — verify current Schumer box at application
• Pay 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)
• 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
• 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)
• 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
• 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
• Math reality check on the 5% vs 90-day-terms toggle: at a 19.49% APR, 90 days of interest-free credit on a $10,000 purchase is worth ~$481 in deferred financing cost — for cash-strapped SMBs that exceeds the $500 of 5% back, so the toggle is genuinely useful; well-capitalized businesses should always take the 5% back
• Not Offered: no transferable points — Amazon rewards redeem ONLY as statement credit at Amazon.com checkout; no airline/hotel/cash-back option (unlike Amex Business Gold, Business Platinum, Blue Business Plus which earn Membership Rewards)
• Not Offered: no Centurion Lounge / Priority Pass / airline-lounge access (Business Platinum benefit)
• Not Offered: no $200 airline incidental fee credit, no Dell credit, no Hilton/Marriott Bonvoy elite status, no Global Entry / TSA PreCheck application fee credit (all Business Platinum benefits)
• Not Offered: no cell phone protection insurance (offered on Chase Ink Business Preferred, U.S. Bank Business Triple Cash, several Wells Fargo business cards — but NOT on this Amazon-cobranded Amex)
• Not Offered: no trip cancellation/interruption insurance, no trip delay insurance, no baggage insurance (Business Platinum benefits, not Amazon Business Prime)
• Not Offered: no Fine Hotels + Resorts or The Hotel Collection booking benefits, no Amex Travel portal bonus earn (Business Platinum / Business Gold benefits)
• Not Offered: no Pay With Points at Amazon.com toggle inside Amex Membership Rewards — this Card does not earn MR points, so the 'shop with points at Amazon' MR redemption pathway does not apply; rewards live in the Amazon ecosystem only