Amazon Business Prime American Express Card

Quick Snapshot

• Annual Fee: $0
• APR: 17.49%-25.49% variable
• Rewards: 5% Amazon Business/AWS/Whole Foods, 2% restaurants/gas/wireless, 1% everything else
• Bonus: No welcome bonus
• Best For: Businesses that purchase heavily through Amazon Business and AWS with an active Prime membership
• Credit Needed: Good to Excellent (670+)

Overview

The Amazon Business Prime American Express Card is purpose-built for businesses that channel significant spending through Amazon Business, Amazon Web Services, and Whole Foods Market. With an eligible Amazon Business Prime membership, you earn 5% back on Amazon Business purchases, AWS spending, and Whole Foods, making it one of the highest earning rates available on these platforms. Without Prime, the rate drops to 3%, which is still competitive but less compelling.

Beyond Amazon, the card earns 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from carriers, and 1% on all other purchases. There is no welcome bonus, which is unusual for a business credit card but is offset by the consistently high 5% rate for heavy Amazon and AWS spenders. The card carries no annual fee, though you do need an Amazon Business Prime membership, which starts at $179 per year.

The card also provides extended payment terms and the ability to set spending controls for employee cards. Rewards are earned as Amazon points that can be redeemed at Amazon checkout, applied as a statement credit, or used at other merchants. For businesses already embedded in the Amazon ecosystem, this card can generate substantial savings, particularly for office supplies, technology equipment, and cloud computing costs through AWS.

APR Breakdown

• Purchase APR: 17.49%-25.49% variable
• Balance Transfer APR: N/A
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: Your APR will vary with the market based on the Prime Rate. Amazon Business Prime membership is required for the 5% rate. Without Prime, the rate drops to 3%.

Benefits Overview

Amazon Ecosystem Earning

• 5% back at Amazon Business with eligible Prime membership (3% without)
• 5% back at Amazon Web Services (AWS) with eligible Prime membership
• 5% back at Whole Foods Market with eligible Prime membership
• Rewards earned as Amazon points redeemable at checkout

Everyday Business Earning

• 2% back at U.S. restaurants
• 2% back at U.S. gas stations
• 2% back on wireless telephone services purchased directly from carriers
• 1% back on all other eligible purchases

Business Management Tools

• Employee cards with customizable spending limits
• Detailed transaction reporting and spending analytics
• Integration with Amazon Business procurement tools
• Quarterly and annual spending summaries

Purchase Flexibility

• No annual fee for the card itself
• Extended payment terms available on select purchases
• No foreign transaction fees
• No preset spending limit adapts to your business needs

Rewards & Points

• 5% back at Amazon Business, AWS, and Whole Foods (with Prime)
• 2% back at U.S. restaurants, gas stations, and wireless services
• 1% back on all other eligible purchases

The 5% rate requires an active Amazon Business Prime membership. Rewards can be redeemed at Amazon.com checkout, as a statement credit, or transferred to other eligible accounts. AWS spending earns 5% which can significantly offset cloud computing costs for tech-dependent businesses.

Welcome Bonus

This card does not offer a traditional welcome bonus. Instead, the ongoing 5% earning rate on Amazon Business and AWS purchases provides sustained value that can exceed typical one-time bonuses for businesses with significant Amazon spending. A business spending $50,000 per year on Amazon and AWS would earn $2,500 back.

Fees Summary

• Annual Fee: $0
• Prime Membership Required: Starting at $179/year for Amazon Business Prime
• Balance Transfer Fee: N/A
• Cash Advance Fee: Either $5 or 3% of the amount, whichever is greater
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Amazon-heavy businesses that purchase office supplies, equipment, and inventory through Amazon Business
• AWS-dependent companies that spend significantly on cloud computing and web services
• Small business owners who already have Amazon Business Prime and want to maximize rewards
• Office managers who want employee card controls and spending analytics

Not Good For

• Non-Amazon businesses whose spending is not concentrated on Amazon platforms
• Businesses without Prime who would only earn 3% instead of 5% on Amazon
• Bonus seekers who want a large welcome bonus to offset initial spending

Key Pros & Cons

Pros

• 5% back on Amazon Business and AWS is among the highest rates on these platforms
• No annual fee for the card itself keeps costs low
• 2% at restaurants, gas stations, and wireless services covers common business expenses
• Employee cards with customizable spending limits for team management
• No foreign transaction fees
• Integration with Amazon Business procurement and reporting tools
• No preset spending limit adjusts to your business usage
• 5% on Whole Foods is valuable for businesses providing food or catering
• AWS savings can be substantial for tech companies

Cons

• No welcome bonus is a notable gap compared to other business cards
• 5% rate requires Amazon Business Prime membership at $179+ per year
• Without Prime, the rate drops to 3% on Amazon purchases
• 1% base rate on non-bonus spending is below average
• Limited value for businesses that do not use Amazon heavily
• Rewards are Amazon-centric and less flexible than cash back
• No introductory APR offer for new purchases or balance transfers
• No travel benefits, purchase protections, or insurance coverage

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $1,870 for a business spending $50,000 total with $30,000 on Amazon/AWS. Net of $179 Prime membership cost is $1,691. Value scales directly with Amazon spending.

Should You Get This Card?

You Should Get It If...

• Your business spends $10,000 or more per year on Amazon Business or AWS
• You already have an Amazon Business Prime membership
• You want the highest possible return on Amazon and AWS purchases
• You need employee cards with spending controls for your team
• You want a no-annual-fee business card that integrates with Amazon tools
• Your business regularly purchases from Whole Foods for office food or catering

You Should Skip It If...

• Your business does not use Amazon Business or AWS significantly
• You do not have Amazon Business Prime and the 3% rate is not compelling enough
• You want a large welcome bonus to help offset early business expenses
• You need strong earning rates on categories beyond Amazon like travel or advertising
• You prefer flexible cash back or transferable points over Amazon-specific rewards
• You want travel insurance and purchase protections from your business card

Apply Now

Apply for Amazon Business Prime American Express Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.