AM
American Express · American Express

Amazon Business Card

Business Business $225 Bonus No Foreign Fees
$0 Annual Fee
19.49%–28.49% Variable Purchase APR
225 Welcome Bonus
670+ Recommended FICO
Cash Back Reward Type
Browse Cards › American Express › Amazon Business Card

Welcome Bonus

$225
Welcome Bonus
Spend $3,000 in the first 90 days
Bonus Posted Gift card upon approval; statement credit within 8-12 weeks of meeting spend requirement.

Rewards

Reward TypeCash Back
Base Rate1x / 1%
Bonus RateUp to 3x
Point Value~0.01¢ each
Annual Cap$120,000
ExpirationCash back rewards do not expire as long as your account is open and in good standing.
CategoryRateTypeCap
Amazon Business, AWS, Amazon.com, Whole Foods Market
On the first $120,000 in eligible purchases each calendar year, then 1%. Cardmembers choose between 5% Back or 90-Day Interest-Free Financing on these purchases.
5x Cash Back $120,000/yr
U.S. Restaurants 2x Cash Back No cap
U.S. Gas Stations 2x Cash Back No cap
Wireless Telephone Services (U.S. Service Providers)
On wireless telephone services purchased directly from U.S. service providers.
2x Cash Back No cap
All Other Purchases 1x Cash Back No cap

Benefits & Protections

No Foreign Fees
Purchase Protection
Extended Warranty
BenefitCategoryValue / Coverage
Welcome Offer: Amazon.com Gift Card
Receive a $125 Amazon.com Gift Card upon approval for the card.
Credits $125
Up to $125
60-Day Payment Terms (without Prime)
Choose 60-day payment terms on eligible purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market without an eligible Prime membership, instead of earning 3% back.
Financial 60-day terms
90-Day Payment Terms (with Prime)
Choose 90-day payment terms on eligible purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market with an eligible Prime membership, instead of earning 5% back.
Financial 90-day terms
Add Account Managers
Grant access to trusted account managers to help oversee and manage your business card account.
Financial Complimentary
Connect to QuickBooks
Easily connect your card account to QuickBooks for streamlined expense management and accounting.
Financial Complimentary
Employee Cards
Request additional employee cards at no extra cost and set individual spending limits for each card.
Financial Complimentary
No Annual Fee
There is no annual fee for holding this card.
Financial $0
Up to $0
No Foreign Transaction Fees
Avoid additional charges on purchases made in foreign currencies or outside the U.S.
Financial 0%
Up to $0
Online Spending Management Tools
Utilize online tools to track, categorize, and manage your business spending effectively.
Financial Complimentary
Year-End Summaries
Access detailed year-end summaries to help simplify tax preparation and expense tracking for your business.
Financial Complimentary
Car Rental Loss and Damage Insurance
Provides secondary coverage for damage or theft of an eligible rental car when you decline the rental company's collision damage waiver.
Insurance Secondary coverage
Extended Warranty
Extends the original manufacturer's warranty for eligible purchases by up to one additional year.
Insurance Up to 1 additional year
Purchase Protection
Covers eligible purchases against accidental damage or theft for up to 90 days from the purchase date.
Insurance Up to 90 days coverage
1% Back on All Other Eligible Purchases
Earn 1% back on all other eligible purchases.
Rewards 1% Back
2% Back on Gas Stations & Restaurants
Earn 2% back on eligible U.S. purchases at gas stations and restaurants.
Rewards 2% Back
3% Back on Amazon/AWS/Whole Foods (without Prime)
Earn 3% back on eligible purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market without an eligible Prime membership.
Rewards 3% Back
5% Back on Amazon/AWS/Whole Foods (with Prime)
Earn 5% back on eligible purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market with an eligible Prime membership.
Rewards 5% Back
Amazon.com Rewards Points Redemption
Rewards are earned as Amazon.com Rewards points, which can be redeemed for purchases at Amazon.com.
Rewards Redeemable for Amazon.com purchases
Fraud Protection
Benefit from zero fraud liability, ensuring you are not held responsible for unauthorized charges.
Security —
Amex Offers
Get access to personalized Amex Offers for savings on dining, travel, shopping, and more with participating merchants.
Shopping Varies
Global Assist Hotline
Access 24/7 emergency assistance services when traveling more than 100 miles from home.
Travel Complimentary

Interest Rates

Purchase APR19.49%–28.49% Variable
Balance Transfer APR28.49%
Cash Advance APR29.99%

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
Foreign Transaction FeeNone
Late Payment FeeUp to $40
Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Student EligibleNo
Co-ApplicantNot allowed
Business EligibleYes

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 5 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending, rapid accumulation of credit, inconsistent income reporting, bouncing payments, excessive returns on purchases that earned rewards
Cliff Effect Rules
The primary cliff effect is the "once per lifetime" rule for welcome bonuses, meaning you generally cannot earn a bonus on the Amazon Business Card if you have previously received a bonus for that specific product. This rule is product-specific, not card-family specific.
International Friendly
May have limitations for international use.
Additional Issuer Rules
American Express generally enforces a "once per lifetime" rule for welcome bonuses on specific card products, typically interpreted as not having received the bonus for that product in the past 7 years. Applicants may also encounter a pop-up message indicating ineligibility for a welcome bonus if they have previously held the card or are otherwise deemed ineligible. Amex also has limits on the number of credit cards a customer can hold.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
0% APR on pre-service balances during active duty, and certain fees may be waived.
Hardship Program
Hardship program available.
American Express
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.

Welcome Bonus $225
APR 19.49%–28.49% Variable
Quick Summary
Annual Fee Free
RewardsCash Back
Welcome Bonus$225
Foreign FeesNone
Min. FICO670+
NetworkAmerican Express
Card TypeBusiness
Online
Ask any doubts about cards.
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