Amazon Business Prime American Express Card Review: Is it the Best Credit Card for Small Business
It offers a 90-day zero interest rate and more!
Are you looking for a credit card that can give you the best cashback and rewards? Or are you in need of a business card that can offer you zero interest rates? Does your business involve tons of Amazon-related purchases? If yes, how about getting an Amazon Credit Card?
If you’re already a member of Amazon or Business Prime, then all the more reason why you should check out the Amazon Business Prime American Express Card. In this blog, we’ll put this Amazon Credit Card in the spotlight to give you a full view of what it can offer.
What are the available Amazon Credit Cards?
Amazon offers four kinds of credit cards; there are specific types for both personal and business use. These are Amazon Business American Express Card, Amazon Business Prime American Express Card, Amazon Rewards Visa Signature Card, and Amazon Prime Rewards Visa Signature Card. Let’s go through each card quickly below:
Amazon Business American Express Card
Any person who owns an Amazon account can avail of this Amazon Credit Card, without necessarily having a prime account. It offers a 3% cashback or a 60-day zero interest rate on Amazon online and all other Amazon businesses.
Amazon Business Prime American Express Card
This Amazon Credit Card, on the other hand, is exclusively available to those who have an Amazon Prime or Amazon Business Prime account. This card has no annual fee, so long as you’re a Prime member. We’ll discuss more of this Amazon card later.
Amazon Rewards Visa Signature Card
This Amazon Card is one of two Amazon consumer card options. It has no annual fee, no transaction fees, and offers up to 3% cashback for Amazon-related purchases. You also benefit from its travel protection, purchase protection, extended warranty protection, and more.
The last one is like Amazon Business Prime American Express Card but consumer-level. Meaning, it’s only available for Prime members. The Prime Rewards Visa Card allows you to enjoy cashback up to 5% of your Amazon-related purchases. It’s also worth noting that Chase issues Amazon cards that are consumer-level.
Now that you already know the different Amazon cards, we can now go to this blog’s main topic – the Amazon Business Prime American Express Card.
About Amazon Business Prime American Express Card
Getting an Amazon Credit Card comes with lots of benefits, especially for those who are members of Amazon Prime looking to maximize value with their business expenditures. As the name suggests, Amazon Business Prime American Express Card lets you benefit the most from your purchases on Amazon and its other brands. It also allows you to enjoy cashback and interest-free purchases for up to 90 days - applicable to Amazon Web Services, Whole Foods, and all other Amazon-related brands.
Why do Businesses get an Amazon Business
Prime American Express Card?
There are so many benefits to using Amazon Business Prime American Express Card. At a glance, these are the primary reasons why many businesses are shifting to this Amazon card:
- No annual fee required
- Rewards up to 5% cashback on Amazon purchases
- Option for 90-day 0% APR financing
Excellent and Flexible Rewards
With Amazon Business Prime American Express Card, you have full control over which reward you would like to receive. You can choose between earning cash backs or enjoying a 90-day zero-interest payment term – the choice is yours.
The good thing here is that you are not locked in with whatever you choose; you easily switch back and forth depending on your needs.
No Annual Fee
The main difference of Amazon Business Prime American Express Card with the Amazon Business American Express Card is that the former is only available for Prime or Business members. That is precisely the reason why this card has no annual fee.
Generous Cashback Rewards
The Amazon Business Prime American Express Card offers 5% cashback for Amazon-related purchases – this does a lot, especially when you’re a regular buyer on Amazon online. Aside from that, users of this card also get 2% cashback on purchases at US restaurants, US gas stations, and those made on wireless telephone services purchased directly from US service providers. You also get a 1% cash back for all other purchases with your Amazon card.
Enjoy Rewards from Amazon-Related Brands
As part of the Amazon umbrella brands, you’re not limited to benefit only on Amazon.com. The Amazon Business Prime American Express Card will also reward you when shopping at other Amazon brands, including Whole Foods Market, Amazon Web Services (Amazon cloud-services provider), and Amazon Business (retail portal for business purchases).
Once your application for Amazon Business Prime American Express card is approved, you will receive a $125 Amazon gift card. This freebie is a nice touch, mainly because it doesn’t require you to have a minimum purchase before being entitled to this benefit. On top of that, if you get to spend at least $3000 in the first three months on the 1% and 2% cashback purchases, you’ll receive another $100 credit.
Aside from the ones mentioned above, these are the things that Amazon Business Prime American Express Card can offer:
- Purchase protection of up to $300 per item and $1,000 per account
- Extended warranty protection
- Improved data view for business purchases analysis on americanexpress.com
- Employee purchase control
- Access to expense tracking and management tools
- Baggage insurance up to $1,250
- Car rental insurance of up to $50,000
- Vendor Pay by Bill.com
- 24/7 customer service
- Online statements
Credit Card Charges
- Annual membership fee: $0 ($119 membership fee for a Prime membership fee)
- Cash advance fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late payment: Maximum of $39
- Return payment: $39
How to redeem rewards?
Redeeming your cash backs is simple. It just converts into points that you can use by either paying future purchases with your accumulated points of offsetting a credit statement with your points.
Do we recommend Amazon Business Prime American Express Card?
This Amazon credit card is undoubtedly a solid choice for any business that relies heavily on Amazon products and services based on everything mentioned above. Businesses that involve Amazon-related purchases will significantly benefit from this credit card. Plus, if you already have an Amazon Prime or Business account, this is a great way to complement and maximize your membership fees. The Amazon Business Prime American Express Card offers economical and flexible rewards, which will work for any business type.
What do you think of Amazon Business Prime American Express Card? Do you have a question? Please drop us a comment below!
eCommerce Paradise was created by Trevor Fenner of Seattle, Washington in 2015 to help you, the entrepreneur, to start and scale your own eCommerce business. Trevor owns multiple 7-figure eCommerce stores and is a digital nomad, traveling the world while working remotely with the help of his team of virtual assistants from around the world. Trevor is currently located in Bali, Indonesia, and is a passionate skateboarder, surfer, scuba diver, photographer, environmentalist, outdoorsman, fitness and tattoo enthusiast.
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