Amazon Business Prime Credit Card Review
Key Takeaways
Note: This card is not currently accepting new applications. It will be moving from American Express to US Bank on August 14, 2026. We'll update this page as more information is released
This card offers limited value compared to alternatives in the market. The benefits simply don't justify applying for the 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 Amazon Prime Visa with similar earning rates, including 5% back at Amazon, Amazon Fresh, Whole Foods, and Chase Travel for Prime members, plus 2% back at gas stations, restaurants, and local transit.
Key differences:
- The personal card allows 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 does not
We recommend considering alternatives to both Amazon cards. The Chase Ink Business Cash offers stronger long-term value for Amazon spend. It earns 5x points at office supply stores like Staples, where you can purchase Amazon gift cards. With Chase points valued around 1.65¢ each, that’s roughly 8–9% back versus Amazon’s 5%.
It also comes with a 75,000-point sign-up bonus, which significantly outperforms what is offered by the Amazon business card.
Card Information
Differentiating Perks
Historical Card Offers
{{ offerStats.averageFrequency != null ? Math.round(offerStats.averageFrequency) + ' Months' : 'N/A' }}
Average Frequency
{{ offerStats.averageOfferLength != null ? offerStats.averageOfferLength.toFixed(1) + ' Months' : 'N/A' }}
Average Offer Length
{{ offerStats.estimatedNextOffer ? (['Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec'][offerStats.estimatedNextOffer.getMonth()] + " '" + String(offerStats.estimatedNextOffer.getFullYear()).slice(-2)) : 'N/A' }}
Estimated Next Offer
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
