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It now pays more for business owners to shop on Amazon. With two brand new Amazon Business Card options, you can get bonus cash back on Amazon purchases. Plus, they sweeten the pot with non-Amazon purchase rewards and an instant signup bonus.
Which card you apply for depends on if you have an Amazon Prime membership. Like the personal Amazon cards, you earn more Amazon rewards when you’re a Prime member. Plus, you will be happy to know neither card charges an annual fee nor a foreign transaction fee.
Amazon Business American Express Card
The entry-level Amazon Business American Express Card is for non-Amazon Prime members.
You can enjoy these card perks:
- $100 Amazon.com Gift Card (upon application approval)
- 3% back on the first $120,000 spent in a calendar year or 60-day terms on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases
- 2% back at U.S. restaurants, U.S. gas stations, and wireless telephone services purchased directly from U.S. service providers
- 1% back on all other purchases
- No foreign transaction fee and no annual fee (See Rates & Fees)
Amazon Business Prime American Express Card
Prime members should apply for the Amazon Business Prime American Express Card.
You will enjoy benefits similar to the other Amazon business card. However, with this card, you can enjoy slightly higher Amazon purchase rewards and a larger welcome offer (a $125 Amazon.com gift card instead of a $100 one).
- $125 Amazon.com Gift Card (upon application approval)
- 5% back on the first $120,000 spent in a calendar year or 90-day terms on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases
- 2% back at U.S. restaurants, U.S. gas stations, and wireless telephone services purchased directly from U.S. service providers
- 1% back on all other purchases
- No foreign transaction fee and no annual fee (See Rates & Fees)
Get Up to 5% Back on Amazon Purchases
The one negotiable reward with either card version is your Amazon purchase rewards.
You can enjoy purchase rewards on these Amazon-related U.S.-based purchases:
- Amazon.com
- Amazon Business
- AWS
- Whole Foods Market
With the Amazon Business Prime, you can get 5% back or 90-day terms. Non-Business Prime members can choose between 3% back or 60-day terms.
If you choose interest-free financing, this bonus only applies to the four purchase types above. Your business credit score can help determine your creditworthiness.
Receive an Amazon.com Gift Card Worth Up To $125
Business credit sign-up bonuses usually have high signup bonus spending requirements. So, getting an instant signup bonus upon approval is rare for rewards cards.
Within 30 minutes of approval, Amazon will load the welcome offer bonus into your linked Amazon account.
Prime members receive a $125 Amazon.com gift card. Non-Prime members enjoy a $100 gift card.
Redeem Purchase Rewards for Amazon.com Credit
With either Amazon business card, you have two rewards redemption options:
- Pay with points at Amazon.com or Amazon Business
- Cash statement credits
Additional Card Benefits
This card comes with a few other additional card benefits that you may enjoy too.
Amazon Business Enhanced Data View
It can be easier to track your Amazon Business purchases using the Amex enhanced data view. With this benefit, all Amazon Business purchases are listed in a downloadable file. This is in addition to your monthly online statement.
This expense tracking platform is in addition to the American Express purchase tracking programs. With this toolkit, you can track spending by each employee. You can also connect your cards to QuickBooks to make accounting easy.
Secondary Rental Car Collision Damage Waiver Protection
When you pay for a rental car with your Amazon business card, you get secondary rental car protection.
Since this isn’t a cash rewards card, you might use another card to book your business travel purchases. But it’s something to keep in mind.
Amex Offers
You can also enjoy exclusive American Express offers like ticket presales and discounts on shopping, dining, and travel.
Purchase Protection Benefits
Since this is a cash back card that offers Amazon shopping bonuses, you may appreciate two benefits. On select purchases, American Express extends the original product warranty up to two years. You can also be reimbursed for your purchase if a product is damaged or stolen in the first 120 days.
Alternatives to the Amazon Business Card
For business cards, this is your best option for maximizing Amazon-related purchases. This is especially true if you use AWS for an online business or you have a Business Prime account ($179/year) that lets you enjoy business discounts on Amazon.
But, if Amazon is just a part of your business spending, you might enjoy a Chase Ink business card more.
Ink Business Cash Credit Card
With the Ink Business Cash® Credit Card, you don’t pay an annual fee. You can earn 5% back on the first $25,000 (then 1%) in combined annual spending for these purchases:
- Internet, cable, and phone services
- Office supply stores
All other purchases earn 1% back.
So, it’s possible to earn 5% on your AWS purchases. Plus, you don’t have to be a Business Prime member.
When you’re ready to redeem points, you have these redemption options:
- Cash statement credits
- Travel
- Gift Cards
Your redemption options are similar to the Amazon business card. In fact, you have a few more.
New Ink Business Cash® Credit Card cardholders can earn a $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.
Chase Ink Business Preferred Credit Card
With the Ink Business Preferred® Credit Card, you have a $95 annual fee. But you also have rewards categories and redemption options.
Unlike the no-annual fee Ink Cash, you only earn 3 points per $1 on internet service-related purchases. But, you have more earning potential.
You earn 3 points per $1 on the first $150,000 (then 1 point per $1) in combined annual spending:
- Internet, Cable, and Phone Services
- Travel
- Shipping
- Social Media and Search Engine Advertising
All other purchases earn 1 point per $1.
Two Award Travel Redemption Options with the Ink Preferred
However, a more valuable redemption option is booking award travel. When travel rewards are more valuable than cash rewards, you will like the Ink Business Preferred.
Your first award travel redemption option is a 25% redemption bonus when you book travel on Chase Travel℠. Note that with the two no-annual-fee Chase Ink credit cards, you don’t get any redemption bonus.
Arguably, the more valuable travel bonus is 1:1 point transfers. There are several top Chase travel partners you can transfer your points to. Some of these partners include Southwest Airlines, United Airlines, and World of Hyatt. When you can book travel directly through these partners and make each point worth more than 1.25 cents each, you can get one of the best credit card redemptions available.
Summary
If you spend a lot at Amazon, AWS, or Whole Foods, one of the Amazon Business Cards helps you get up to 5% cash back. You don’t pay an annual fee which means you can use all of your purchase rewards from day one. It’s a business card to consider if Amazon is important to your business spending.
Related Articles:
- The Best Airline Miles Credit Cards
- The Best American Express Business Cards
- Best No Annual Fee Travel Credit Cards
For rates and fees of the Amazon Business American Express Card, please click here.
For rates and fees of the Amazon Business Prime American Express Card, please click here.
