AM
American Express

Amazon Business Prime Card

$125 Bonus No Foreign Fees
$125 Annual Fee
19.49%–28.49% Variable Purchase APR
125 Welcome Bonus
670+ Recommended FICO
Cash Back Reward Type
Browse Cards › American Express › Amazon Business Prime Card

Welcome Bonus

$125
Welcome Bonus
Bonus Posted Upon approval

Rewards

Reward TypeCash Back
Base Rate1x / 1%
Bonus RateUp to 5x
Point Value~0.01¢ each
Annual Cap$120,000
ExpirationCash back rewards do not expire as long as account is open and in good standing
CategoryRateTypeCap
Amazon Business, AWS, Amazon.com & Whole Foods Market
On U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. Combined with 2% categories, bonus rates apply to the first $120,000 in eligible purchases each calendar year, then 1% thereafter.
5x Cash Back $120,000/yr
Restaurants, Gas Stations & Wireless Phone Services
On U.S. purchases at restaurants, gas stations, and wireless phone services purchased directly from U.S. service providers. Combined with 5% categories, bonus rates apply to the first $120,000 in eligible purchases each calendar year, then 1% thereafter.
2x Cash Back $120,000/yr
All Other Purchases
On all other eligible purchases, and after the $120,000 combined annual cap is reached for 5% and 2% categories.
1x Cash Back No cap

Benefits & Protections

No Foreign Fees
Purchase Protection
Extended Warranty
BenefitCategoryValue / Coverage
Account Management Tools
Access online tools to track spending, manage employee cards, and download statements.
Financial Complimentary
Connect to QuickBooks
Easily sync your card transactions directly with QuickBooks for streamlined accounting.
Financial Complimentary
Employee Cards
Get employee cards at no additional cost to help manage business expenses and earn rewards on their spending.
Financial Complimentary
Up to $0
No Annual Fee
There is no annual fee for the Amazon Business Prime Card.
Financial $0
Up to $0
No Foreign Transaction Fees
Pay no foreign transaction fees when you use your card for purchases outside of the United States.
Financial 0%
Baggage Insurance Plan
Provides coverage for lost, stolen, or damaged luggage when you purchase your common carrier tickets with your eligible card.
Insurance Up to $1,250 per bag type
Up to $1,250
Car Rental Loss and Damage Insurance
Provides secondary coverage for damage or theft of an eligible rental vehicle when you use your card to reserve and pay for the rental.
Insurance Up to $50,000
Up to $50,000
Extended Warranty
Extends the original manufacturer's warranty for an additional year on eligible purchases with warranties of five years or less.
Insurance Up to $10,000 per item
Up to $10,000
Purchase Protection
Covers eligible purchases against accidental damage or theft for up to 90 days from the date of purchase.
Insurance Up to $1,000 per occurrence
Up to $1,000
1% Back on Other Purchases
Earn 1% back on all other eligible purchases.
Rewards 1% back
2% Back on Business Categories
Earn 2% back on eligible purchases at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers.
Rewards 2% back
5% Back on Amazon & Whole Foods
Earn 5% back on eligible purchases at Amazon Business, Amazon.com, AWS, and Whole Foods Market with an eligible Prime membership.
Rewards 5% back (up to $120,000/year)
Flexible Payment Terms or 5% Back Choice
Choose between 90-day payment terms on eligible purchases at Amazon Business, Amazon.com, AWS, and Whole Foods Market, or 5% back.
Rewards 90-day terms or 5% back
Account Alerts
Receive alerts via email or text for suspicious activity, payment reminders, and other account updates.
Security Complimentary
Fraud Protection / Zero Fraud Liability
You will not be held responsible for unauthorized charges made on your account.
Security 0% liability
Amex Offers
Get access to personalized offers for savings or bonus rewards at various merchants.
Shopping Varies
ShopRunner Membership
Enjoy complimentary ShopRunner membership, providing free 2-day shipping and free returns at participating online stores.
Shopping Complimentary
Global Assist Hotline
Provides 24/7 emergency assistance and coordination services for medical, legal, and other travel-related emergencies 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%
Min. Interest Charge$1

Fees

Annual Fee $125
Authorized User FeeFree
Foreign Transaction FeeNone
Cash Advance FeeEither $5 or 3% of the amount of each Cash Advance, whichever is greater.
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 and unusual spending patterns, defaulting on payments, excessive credit card applications in short period, high credit utilization on Amex cards
Cliff Effect Rules
The primary restriction is the Amex 'once per lifetime' rule, which prevents earning a welcome bonus on a specific card product if you have previously held that exact product.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
American Express generally enforces a 'once per lifetime' rule for welcome bonuses, meaning applicants are typically ineligible if they have or have had the specific card product. Amex may also present a 'pop-up' warning during the application process if an applicant is not eligible for the welcome offer.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
American Express
$125
Annual Fee

Welcome Bonus $125
APR 19.49%–28.49% Variable
Quick Summary
Annual Fee $125
RewardsCash Back
Welcome Bonus$125
Foreign FeesNone
Min. FICO670+
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