The Amazon Business American Express Card was created to simplify business purchases while offering real financial advantages. It combines flexibility in payment with rewards tailored to companies that regularly shop on Amazon, AWS or Whole Foods. Instead of complicating your finances with rotating categories or conditions, this card allows you to choose between extended payment terms or immediate cashback benefits.
In this guide, we explain how the Amazon Business American Express Card works, what you need to qualify, and what to consider before applying. The goal is to go beyond promotional promises and help you understand if this solution fits your business operations. If you manage a company that purchases frequently through Amazon, this card can be a useful tool to centralize spending and improve financial visibility.
Main features of the Amazon Business American Express Card
The Amazon Business American Express Card lets you choose between 3% cashback or 60-day payment terms on eligible Amazon purchases, including AWS and Whole Foods. This benefit applies to the first $120,000 spent annually; after that, the rate drops to 1%. It also offers 2% back at U.S. restaurants, gas stations, and phone service providers, plus 1% on all other purchases. The card has no annual fee or foreign transaction fees.
Requirements for approval
To apply, you must be at least 18 years old and have legal authority to make financial decisions for your business. A good credit score is expected, and you’ll need to provide your business tax ID, structure, and ownership details. While the application is online, it’s essential to confirm your business information matches IRS records to avoid delays.
Benefits of the Amazon Business American Express Card
This card is built for companies that value simplicity. You can either earn cash back or defer payments without needing to track rotating categories. It also integrates with Amazon Business tools, providing enhanced data views and easier expense tracking. Additional protections include extended warranty, purchase protection and access to Amex Offers. These extras support day-to-day operations and offer value beyond the spending rewards.
Exclusive highlight
A key advantage of the Amazon Business American Express Card is the control it gives businesses. Being able to choose between rewards or more time to pay makes a real difference for cash flow management. Instead of adapting your purchases to fit the card’s terms, the card adapts to your financial rhythm — especially helpful during tight cycles or when planning larger supply orders through Amazon channels.
Disadvantages and points of attention of the Amazon Business American Express Card
Despite its strong features, this card isn’t for every business. The 3% or 60-day benefit is limited to $120,000 in annual spending — after that, the rate drops to 1%. There’s no support for balance transfers, and the rewards are highly focused on Amazon ecosystems. If your business spends more across other platforms, or if you prefer flexible point redemption, this card might feel restrictive over time.
Application process
You can apply directly on Amazon’s website through a simple online form. The process requires basic information about your business, including structure, tax ID, and personal details of the applicant. Once submitted, most applications are reviewed quickly. If approved, your Amazon Business American Express Card arrives by mail, and you can immediately link it to your Amazon Business account for seamless integration.
Who is the card ideal for?
This card is ideal for businesses that rely heavily on Amazon services. It works especially well for companies with regular supply needs, technology purchases, or subscription services via AWS. If your team shops consistently through Amazon channels, the benefits of deferred payments or 3% back can translate into meaningful savings and better control. On the other hand, companies that rarely use Amazon or prioritize other vendor platforms may not take full advantage of what the Amazon Business Card offers.
