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Amazon Business American Express Card Review: Maximize Your Business Purchases
What Is the Amazon Business American Express Card?
The Amazon Business American Express Card is a co-branded credit card designed specifically for small business owners and entrepreneurs who frequently shop on Amazon.com and Amazon Business. This card offers a unique rewards structure tailored to business spending, with a focus on Amazon-related purchases and other common business expenses.
Launched as a partnership between American Express and Amazon, this card aims to provide value to businesses of all sizes, from sole proprietors to larger enterprises. It combines the renowned customer service of American Express with the convenience and extensive product selection of Amazon, creating a powerful financial tool for business owners.
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Amazon Business American Express Card Pros & Cons
To help you decide if this card is right for your business, let's explore its advantages and disadvantages:
Pros:
- Generous rewards on Amazon purchases
- No annual fee
- Flexible redemption options
- Access to Amex business benefits
- Integration with Amazon Business features
Cons:
- Limited value for non-Amazon shoppers
- High APR for carrying a balance
- Foreign transaction fees apply
- Requires good to excellent credit
Who Is the Amazon Business American Express Card For?
The Amazon Business American Express Card is ideal for:
- Small business owners who frequently shop on Amazon
- Entrepreneurs looking to maximize rewards on office supplies and technology purchases
- Companies with significant AWS (Amazon Web Services) expenses
- Businesses seeking a no-annual-fee card with robust rewards
- Amazon Prime or Business Prime members wanting to enhance their benefits
This card particularly shines for businesses that already have a strong relationship with Amazon's ecosystem. If your company regularly orders supplies, equipment, or digital services through Amazon, this card can significantly boost your rewards earning potential.
Comparing the Amazon Business American Express Card With Other Credit Cards
When considering the Amazon Business American Express Card, it's helpful to compare it with other popular options in the business credit card category:
Capital One Venture X Business (rates & fees):
- Annual fee: $395
- Sign-up bonus: Substantial miles bonus after meeting spending requirements
- Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One Travel
- Standout feature: 10,000 bonus miles each account anniversary
Ink Business Preferred® Credit Card:
- Annual fee: $95
- Sign-up bonus: Large points bonus after meeting spending requirements
- Key rewards: 3X points on travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines on the first $150,000 spent
- Standout feature: Cell phone protection when you pay your monthly cell phone bill with your card
The Business Platinum Card® from American Express (rates & fees):
- Annual fee: $695
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 5X points on flights and prepaid hotels booked through Amex Travel, 1.5X points on eligible purchases of $5,000 or more
- Standout feature: Access to over 1,400 airport lounges worldwide
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Amazon Business American Express Card excels in offering a unique rewards structure tailored to business spending
- Capital One Venture X Business offers high travel rewards
- Ink Business Preferred® provides strong points on business-related categories
- The Business Platinum Card® from American Express features premium travel perks
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Consider Using Kudos
While the Amazon Business American Express Card offers excellent benefits for Amazon-centric businesses, it's worth considering a tool like Kudos to maximize your overall credit card rewards strategy. Kudos is a free AI-powered browser extension that helps you get the most out of your credit cards when shopping online.
With Kudos, you can:
- Receive personalized credit card recommendations for each purchase
- Earn rewards from over 15,000 stores
- Multiply your rewards up to 5X during exclusive "Flash Boost" events
- Discover new credit cards that align with your spending habits
If you're looking to optimize your rewards across multiple cards and retailers, Kudos can be an excellent complement to your Amazon Business American Express Card. They're currently offering $20 back after your first eligible purchase — just sign up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Amazon Business American Express Card is a solid choice for businesses that frequently shop on Amazon or use AWS services. Its no-annual-fee structure and generous rewards on Amazon purchases make it an attractive option for small business owners looking to maximize their return on everyday expenses.
However, its value diminishes significantly for businesses that don't heavily rely on Amazon. In such cases, a more versatile business credit card might be a better fit. It's also important to consider the high APR if you plan to carry a balance.
For businesses deeply integrated with Amazon's ecosystem, this card can provide substantial value. When combined with tools like Kudos, it can form part of a comprehensive strategy to maximize credit card rewards across all your business spending.
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Amazon Business American Express Card FAQ
Is there an annual fee for the Amazon Business American Express Card?
No, the Amazon Business American Express Card does not have an annual fee.
What are the rewards rates for the Amazon Business American Express Card?
The card offers 3% back or 60-day payment terms on Amazon.com, Amazon Business, AWS, and Whole Foods Market purchases. It also provides 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services, and 1% back on all other purchases.
Do I need to be an Amazon Prime member to apply for this card?
No, you don't need to be an Amazon Prime member to apply for the Amazon Business American Express Card. However, Prime members may want to consider the Amazon Business Prime American Express Card for enhanced benefits.
Can I use this card for personal expenses?
While the card is designed for business use, it can technically be used for personal expenses. However, it's generally recommended to keep business and personal expenses separate for accounting and tax purposes.
How do I redeem rewards earned with the Amazon Business American Express Card?
Rewards can be redeemed for statement credits, gift cards, or to shop on Amazon. You can also redeem rewards for travel through American Express Travel.
Is this card accepted internationally?
Yes, the card is accepted internationally wherever American Express is accepted. However, be aware that foreign transaction fees apply.
What credit score do I need to qualify for this card?
While American Express doesn't publicly disclose exact credit score requirements, it's generally recommended to have a good to excellent credit score (670 or above) when applying for this card.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
