Running a business isn’t just about spreadsheets and strategies — it’s about making smart decisions that push things forward. Whether you’re a small shop owner or running a growing online brand, the Amazon Business Card was made with you in mind. It blends convenience with real, tangible benefits that go beyond the basics.

It’s not just a piece of plastic — it’s a full-on business companion built to streamline how you spend. It offers business owners the flexibility to earn rewards or defer payments, depending on what works best for their cash flow. And if you shop regularly on Amazon.com, Amazon Business, AWS, or Whole Foods Market, those purchases are about to become a lot more rewarding.

Key Information about the Credit Card

The Amazon Business Card is issued by American Express, a brand that’s well known for its high-quality service and reliability. This card is specifically designed for business owners who need more than a basic credit solution. It’s tailored for entrepreneurs, freelancers, startups, and even established companies who want a smarter way to manage purchases.

Whether you’re making day-to-day purchases or covering larger business costs, this card has your back. It provides valuable tools to track spending, manage employee cards, and integrate seamlessly with popular accounting software like QuickBooks. It’s not just about buying things; it’s about managing your entire business ecosystem with a few swipes and taps.

How Does the Annual Fee Work?

Here’s one of the biggest draws of the Amazon Business Card: it comes with a $0 annual fee. That’s right — you can unlock a world of benefits and business-ready tools without paying a yearly price just to keep the card open. This is a breath of fresh air, especially for small businesses looking to save money wherever possible.

How Is the Credit Limit Determined?

When it comes to determining your credit limit, American Express takes several factors into account. Rather than applying a one-size-fits-all approach, they look at the financial profile of your business and, in some cases, your personal creditworthiness too. That means your income, credit score, and overall ability to repay are considered when setting your limit.

Credit Card Benefits

• 3% Back or 60-Day Payment Terms on purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market (up to $120,000 annually). After that, it drops to 1%.
• Earn 2% cashback when dining out, filling up your tank, or paying your phone bill directly through U.S. service providers.
• 1% Back on all other purchases, making sure you’re rewarded no matter where you shop.
• Put your points to work instantly by redeeming them during checkout at Amazon.
• Shop abroad with peace of mind — there are zero extra fees for international purchases.
• Enhanced purchase data, helping you analyze spending and stay on top of your budget.
• QuickBooks integration, making expense tracking effortless.
• Employee card options, including spend limits and alerts for easy team management.
• Year-End summaries to simplify taxes and financial reporting.
• American Express App, perfect for real-time account control and reward tracking.
• Travel protections, such as baggage insurance, car rental coverage, and Global Assist services.

Standout Advantage

One of the Amazon Business Card’s biggest differentials is its dual reward structure. You decide: get 3% back or extend your payment window by 60 days on eligible Amazon buys. That flexibility is gold. Depending on your cash flow strategy, you can either save money now or push payments down the line.

Disadvantages

• Rewards are capped — The 3% back benefit only applies to the first $120,000 per year.
• Limited reward flexibility — Redemption options are best if you shop frequently on Amazon.
• Variable APR — Depending on your credit, you could face a high interest rate between 18.49% and 26.49%.
• Not ideal for international purchases — While there are no foreign transaction fees, the rewards structure is primarily tailored for U.S. merchants.
• No introductory APR — You won’t get a zero-interest period for big purchases or balance transfers.

Standout Disadvantage

The most noticeable drawback of the Amazon Business Card is the cap on its most generous reward: the 3% back. After you reach the yearly $120,000 threshold on Amazon purchases, cashback falls to 1% — a limit that might still suit most smaller operations. But for companies that heavily rely on Amazon for inventory or operations, that ceiling arrives sooner than you’d think.

Who Can Apply for This Card?

Plenty of business owners can throw their hat in the ring, though there are a few boxes to check before applying. You’ll need to be a U.S. resident with a business entity or sole proprietorship. Having a good to excellent personal credit score can boost your chances, especially if your business is still new and doesn’t have an established credit history. You must also provide general business details like legal name, type, and annual revenue.

How to Apply for Amazon Business Card

If the Amazon Business Card sounds like the right fit for your business, applying is a straightforward process. Whether you’re more comfortable using your laptop, mobile phone, or exploring other options, you’ll find a method that suits your style. In the next sections, we’ll walk you through each path step-by-step so you can pick the one that works best for you. Ready to get started?

Via Website

Applying online is probably the fastest and most convenient method. Head over to the Amazon Business Card page, where you’ll find a clear, easy-to-navigate application form. Fill in your personal and business details, including tax identification numbers, income estimates, and address info.

Once submitted, many applicants receive a decision within 30 seconds. Once you get the green light, you’ll be able to start using your digital card immediately — no need to wait for it to hit your mailbox. And don’t forget — upon approval, you’ll snag a $100 Amazon gift card, which can immediately offset some expenses.

Via the App

Prefer using your smartphone? No problem. You can apply directly through the American Express app or Amazon app (if you’re logged into your business account). The app-guided process walks you through everything step by step, and it’s especially useful if you’ve already saved some of your info. You’ll get real-time updates, can track your application status, and manage your new card from the palm of your hand once approved.

In-Branch

Unlike some traditional business credit cards, the Amazon Business Card isn’t available for in-person application at a branch. Since both Amazon and American Express operate digitally for this product, everything is handled online or via app. There are no physical bank locations offering application assistance for this card.