Top Business Credit Cards for Amazon to Earn Rewards

As a business owner, you may wonder, “Does Amazon have a business credit card?” The answer is yes, and there are several options to choose from. If you have a small business and frequently make purchases on Amazon, having the right Amazon business credit card can make a significant difference. With the right card, you can earn rewards, take advantage of welcome bonuses, and often do so without paying an annual fee.

Read on to learn what to look for in a card, which options are available, and what key factors you should compare before applying.

5 Factors When Choosing the Best Amazon Business Credit Card

Before choosing the best Amazon credit card for a business, consider the following factors.

Eligibility requirements

Before applying for a card, make sure you meet Amazon business credit card requirements, which may vary depending on the issuer. Generally, you must have a registered business with a tax ID number or Employer Identification Number (EIN). Some issuers may also require a minimum credit score or annual revenue to qualify.

Rewards and cash back

Choosing a business or personal credit card with strong rewards or cash back can help maximize your savings and earn valuable benefits on Amazon purchases. However, reward structures vary widely. For example, the Amazon Business Prime American Express Card offers up to 5% cash back on the first $120,000 spent each calendar year. Other cards may provide rewards for purchases such as gas, Internet services, phone bills, travel expenses, and more.

Annual fees and interest rates

One important consideration when choosing an Amazon credit card for a business is that some cards may have high annual fees, which can reduce the value of the rewards or cash back you earn. For example, the Amazon Business Prime American Express Card technically does not charge an annual fee. However, it requires an Amazon Prime membership costing $139 per year. The Amazon Business American Express Card, on the other hand, has no annual fee at all.

Currency conversion specifics

If you plan to use your business credit card for purchases in different currencies, you should review exchange rates and foreign transaction fees in advance. Amazon business cards typically use the exchange rate on the day of the transaction to convert foreign currency purchases into U.S. dollars. Some cards may charge 1% to 3% on the transaction amount for cross-border purchases.

Spending limit

The spending or credit limit is another important factor you shouldn’t overlook. It represents both the total amount you can spend over time and the limit for individual purchases, including one-time purchases on Amazon. When evaluating this feature, make sure the credit limit aligns with your business spending needs. This will help you avoid reaching this limit too quickly, either during the year or when making large purchases.

Additional benefits

Some cards may offer purchase return protection, extended warranty coverage, and travel accident insurance. Others may provide travel rewards, airport lounge access, and concierge services. Evaluate these benefits carefully and decide whether they are useful for your needs. Keep in mind that cards with more premium benefits often come with higher annual fees.

5 Best Business Credit Cards for Amazon

All Amazon credit cards offer a variable Annual Percentage Rate (APR) based on the Prime Rate, which is currently from 17.74% up to 27.49% APR. As for the credit limit, it depends on your credit history and typically cannot be less than $500. However, there are many other details to consider. Let's explore which Amazon credit cards are the best options for small businesses.

Amazon Business Prime American Express Card

As the name suggests, this is an Amazon Prime business credit card. You must have Amazon Prime membership, which costs $139 per year, to use it. As for the benefits, you can earn 5% cash back or choose 90 days to pay interest-free on US purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market.

Amazon Business American Express Card

You may wonder, “Does Amazon have business credit cards for those just getting started in retail?” Fortunately, it does. The Amazon Business American Express Card is a solid option for new businesses. It does not require a Prime subscription and has no annual fee. Like the previous option, it also has no preset spending limit.

However, the terms and conditions of the provided benefits are more limited. For example, you can earn only 3% cash back, and the interest-free period is shortened to 60 days instead of 90. The annual percentage rate (APR) remains the same as that of the Amazon Business Prime American Express Card.

Amazon Prime Visa Card

Both business card options discussed above also require you to have a registered small business. But what if you simply want to try your business idea without investing much or committing to significant obligations? In that case, you can consider the Amazon Prime Visa Card.

The Amazon Prime Visa Card is designed for individual consumers who are Amazon Prime members and frequently make purchases on Amazon and at Whole Foods Market. It offers 5% cash back, but it does not include additional perks such as interest-free payment options. While the card itself does not charge an annual fee, you still need an Amazon Prime membership.

Amazon Visa Card

The only main difference between this card and the previous one is the cash back rate. With the Amazon Visa Card, you can earn unlimited 3% cash back on purchases at Amazon and Whole Foods Market. Additionally, you do not need an Amazon Prime subscription to use it. These requirements make the Amazon Visa Card one of the most affordable and risk-free options for Amazon shopping.

However, it's important to note that the card is not specifically designed for small businesses. It does not offer the same expense tracking and spend visibility tools as the Amazon Business Prime American Express Card or the Amazon Business American Express Card. It also does not include additional business-oriented benefits, such as discounts or special financing options.

The Blue Business® Plus Credit Card from American Express

Which is the best Amazon card for a business if none of the above options seem to be a perfect match? The Blue Business® Plus Credit Card from American Express may be the right choice. The benefits it offers are significant. There is no annual fee, and the card comes with a 0% introductory APR on purchases and balance transfers for the first 12 months, followed by a variable APR based on the Prime Rate. There is also no pre-set spending limit, which is determined based on your credit score.

You can get double Membership Rewards points on the first $50,000 in purchases each year. The card also includes purchase protection, travel benefits, and expense management tools. In addition, you can add employee cards with spending limits and alerts, which makes it the best credit card for an Amazon seller account. However, to qualify for this card, you must have a valid Tax Identification Number (TIN) and a U.S. business address.

Amazon Credit Card Comparison Table

If you’re still unsure which credit card will work best for Amazon purchases in your situation, take a look at this comparison table below.

Conclusion

So, what is the best business card for Amazon? The answer depends on several factors, such as the size of your business, how often you use the card, and what additional benefits you need. Before choosing an Amazon business credit card, review the reward structure, a welcome bonus, and APR. It’s also important to understand the eligibility requirements, as they can vary from one card to another. The options presented in this article differ in their key features. However, the good news is that none of them charge a traditional annual credit card fee, allowing you to choose the option that best suits your business needs.

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