Amazon Business American Express Card

I’ve been using the Amazon Business American Express Card for several months now, and it has become an essential tool for managing business expenses, especially with our frequent Amazon purchases. Here’s why I highly recommend it:

Key Benefits for Businesses
The standout feature of this card is the ability to choose between 3% back on Amazon purchases or opting for 90-day interest-free payment terms on purchases. This flexibility is a game changer, especially if you’re managing cash flow for a business. For larger orders or high-ticket items, the 90-day payment terms offer breathing room, while the 3% back is a solid return on everyday supplies.

No Annual Fee
Unlike many business credit cards, this one comes with no annual fee, making it even more appealing for small and medium-sized businesses. You get premium benefits without the overhead of annual fees, which adds significant value over time.

Rewards Beyond Amazon
While the card shines with Amazon purchases, it’s also versatile outside of Amazon. You can earn 2% back at restaurants, gas stations, and wireless telephone services. For a business, these categories cover a good chunk of typical expenses, which adds even more reward potential. Additionally, you earn 1% back on all other purchases, so no spending goes unrewarded.

Smooth Integration with Amazon Business
This card integrates seamlessly with Amazon Business accounts, making it easier to track and manage expenses. The itemized purchases are well-organized, which is great for bookkeeping and accounting, and you can even assign cards to employees with spend controls for greater oversight.

Easy Application and Excellent Customer Service
Applying for the card was straightforward, and I was impressed by how quickly the process went. The credit limit was generous, and American Express customer service has been stellar. Any issues or questions I’ve had were addressed promptly, which I’ve come to expect from American Express.

Security and Peace of Mind
As with all Amex cards, the purchase protection and extended warranty benefits give me peace of mind. Knowing that I’m protected in case of damaged or defective items is reassuring, especially for larger business purchases. The card also comes with fraud protection, which is essential for business transactions.

Pros:
3% cash back or 90-day interest-free payment option on Amazon Business and AWS purchases
No annual fee
2% cash back on common business expenses (restaurants, gas, wireless services)
Seamless integration with Amazon Business accounts
Purchase protection and extended warranty benefits
Cons:
The 3% back only applies to Amazon Business and AWS purchases, so if your business doesn’t frequently shop on Amazon, the full benefit may not be realized.
The rewards rate on non-Amazon purchases (1%) is less competitive compared to some other cards on the market.
Final Thoughts:
If your business makes regular purchases on Amazon or AWS, the Amazon Business American Express Card is a no-brainer. Between the cash back rewards, flexible payment options, and integration with Amazon’s business platform, it’s an excellent choice. Even if you don’t make a ton of Amazon purchases, the additional rewards categories and no annual fee make this card a solid option for day-to-day business spending. I highly recommend it for businesses of all sizes.

An excellent credit card with many user benefits, such as 5% cashback on all purchases at Amazon and other retailers, with a percentage of less.

Great but initial agreement not clear that net90 still requires a min $45 per month payment. To know this you have to click on a link within the initial agreement then click on another link in the linked document them click on a link in that document to see that there is a $45 min monthly payment even on NET90.

This has been and continues to be of great benefit to me in managing both inventory purchases and cash flow. After one year as a seller I am certain that this will provide confidence, convenience and efficiency fo me and my business.