Best in Class
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Amazon Business Prime Credit Card Review
Key Takeaways
This card offers limited value compared to alternatives in the market. The benefits simply don't justify applying for this card, especially for those interested in maximizing travel rewards through points and miles strategies. We would rank this near the bottom of our recommended business credit cards for rewards enthusiasts.
Why This Card Could Be Right For You
The Amazon Business Prime Card offers a specialized rewards structure that may benefit certain small business owners, though it's not ideal for those seeking travel rewards. Key features include:
- 5% cash back on Amazon and Whole Foods purchases (up to $120,000 annually)
- Optional 90-day extended payment terms on qualifying Amazon purchases instead of the 5% cash back
- 2% cash back at U.S. restaurants, gas stations, and wireless phone services
- 1% cash back on all other purchases
- $125 Amazon gift card as a sign-up bonus upon approval
- Purchase protection and travel insurance benefits
- QuickBooks integration for automatic expense categorization
When The Usual Advice Doesn't Apply
This card may not be suitable if:
- You prioritize travel redemption opportunities, which this card doesn't offer
- Your small business spending at Amazon or Whole Foods is insufficient to benefit from the card's reward structure
How The Amazon Business Prime Credit Card Fits In The Other Point System Ecosystem
Amazon also offers a personal Prime Rewards card with similar benefits: 5% back on Amazon, Amazon Fresh, Whole Foods, and Chase Travel purchases for Prime members, plus 2% back at gas stations, restaurants, and local transit.
The key differences:
- The personal card allows point redemption for travel through Chase (though these are NOT Chase Ultimate Rewards points)
- The personal card counts toward Chase's 5/24 rule, while the business version doesn't
We recommend considering alternatives to both Amazon cards. The Chase Ink Cash business card offers superior value for Amazon shoppers while also avoiding the 5/24 rule. This card provides 5x points at office supply stores like Staples, where you can purchase Amazon gift cards. With Chase points valued at approximately 1.8¢ each, this strategy yields about 9% back versus Amazon's 5%. Additionally, the Chase Ink currently offers a 75,000-point sign-up bonus, substantially outperforming the $125 Amazon gift card from the business card.
Card Information
Bonus Points
12,500
Minimum Spend
$1 / 3mo
Point Value
0.8 ¢
Annual Value
Annual Fee
$0
1st Year Value
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Differentiating Perks
5% Cash Back on Amazon Purchases
5% Cash Back on Whole Food Market Purchases
2% Cash Back on U.S. Gas Stations
2% Cash Back on U.S. Restaurants
2% Cash Back on U.S. Cell Phone Services
Card Benefits
No benefits are available for this card.
Historical Card Offers
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Average Frequency
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Average Offer Length
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Estimated Next Offer
Start Date
Offer Length
Bonus
Minimum Spend
Spend Categories
4¢
Per Dollar
Spent
Spent
1.6¢
Per Dollar
Spent
Spent
1.6¢
Per Dollar
Spent
Spent
1.6¢
Per Dollar
Spent
Spent
0.8¢
Per Dollar
Spent
Spent
Amazon Business Prime Application Rules
You'll be declined if you apply for a third Amex card in 90 days
This business card will not show on your personal credit report, so it won't count against your 5/24 status
You might not be allowed to get a second card for a separate business (EIN)
Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth
Card approval not subject to 5-personal-cards-in-24-months rule
Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card)
After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus
