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Becoming an Amazon FBA seller is one of the most interesting, unique businesses you can start. FBA stands for Fulfillment by Amazon, and it’s a program offered by Amazon to third-party merchants that allows you to get your products on Amazon’s website and leverage its global fulfillment network to scale your e-commerce business.
This is a huge simplification, but lots of people have made a healthy living, even small fortunes with Amazon FBA, and it is built on one of the most trusted brands in the world.
If you have an Amazon FBA business, you should know the best credit cards to use to make the most of your business spending.
We’ll show you all the best choices to help you make a decision that rewards your business as much as possible. Let’s take a deep dive into the best cards for Amazon FBA sellers!
What To Look for in a Business Credit Card for Amazon FBA Sellers
If you’re an Amazon FBA seller, you can save on resources you’d normally have to manage yourself if you were selling goods on a different platform.
For example, Amazon FBA sellers use Amazon’s customer service and returns network, free shipping, and so much more.
In return, Amazon charges selling plans (based on the number of units sold), referral fees (usually between 8% to 15%), fulfillment fees, and other incremental costs.
So what do you have to pay for?
The biggest costs for Amazon FBA sellers besides Amazon fees will likely be on inventory, advertising within Amazon (similar to Google Ads), and packing supplies (to send your products to Amazon).
Ideally, you want to find a card that rewards you on all 3 of the above items, but this probably isn’t possible. The next best thing is to pick a card that rewards you in the categories you happen to spend the most on!
Let’s start with some cards that you should avoid. You should not use these cards for most Amazon seller transactions:
You’ll only earn bonus cash-back on purchases at Amazon.com, not for any seller fees or Amazon Advertising purchases.
Now that we’ve got that out of the way, let’s chat about the best cards for Amazon FBA sellers.
The 7 Best Overall Business Cards for Amazon FBA Sellers
The best overall cards for Amazon FBA are the ones that offer large bonus categories on advertising, packing supplies, and inventory.
Because inventory categories will vary widely depending on what you’re selling on Amazon, we won’t focus on those expenses.
As an Amazon FBA seller, you’re probably spending a large sum of money on advertising costs. Amazon has an internal media company called Amazon Advertising that allows you to advertise on Amazon.com, similar to Google Ads’ pay-per-click (PPC) system.
Luckily, American Express and Chase both count Amazon Advertising as an eligible advertising merchant, which is great news.
And while Amazon will take care of fulfilling the goods to the customer, you’ll still need to procure, package, and send the products to an Amazon warehouse/fulfillment center. So you’ll probably be buying a lot of boxes, packing materials, tape, and more.
Cards that offer bonus rewards on these categories in addition to other important benefits such as fraud and purchase protection will be the secret to maximizing your rewards as an Amazon FBA seller.
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
Earn 1X Membership Rewards® points on all other eligible purchases.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
Annual fee of $95
1x-3xpoints
Ink Business Preferred® Credit Card
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and
Earn 1.5X points on each eligible purchase at:
U.S. construction material
Hardware suppliers
Electronic goods retailers
Software & cloud system providers
Shipping providers
Earn 1.5X points on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Earn 1X points for each dollar you spend on eligible purchases.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Annual fee of $0
1%-5%cash-back
Ink Business Cash® Credit Card
Earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
The Blue Business® Plus Credit Card from American Express
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Earn 1X Membership Rewards® point on other purchases.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000 points
$2,200
$375
18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
Pros & Cons
Pros
4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply
Financial Snapshot
APR: 18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening
The Amex Business Gold card is our absolute favorite card for Amazon FBA sellers because it offers a huge welcome bonus to start.
This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
Amazon Advertising counts under advertising in select media, which is incredible news!
Additionally, this card has no preset spending limit*, and your 4x categories are automatically determined for you every month based on your spending activity!
Lastly, enjoy travel insurance, purchase protection, extended warranty coverage, and no foreign transaction fees (rates & fees).
Why We Like Earning Amex Membership Rewards Points
We think Amex Membership Rewards is the most valuable points currency, worth around 2.2 cents per point. That means you can earn a whopping 8.8% return on spending when you use the Amex Business Gold card!
Bottom Line: Overall, the Amex Business Gold card is one of the kings of business cards thanks to its ability to earn 4x points on numerous bonus categories, including an advertising category under which Amazon Advertising counts, a huge welcome bonus, and numerous other benefits.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000 points
$1,800
$95
20.74% - 26.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros & Cons
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Cons
No elite travel benefits like airport lounge access
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Our runner-up is the Ink Business Preferred card, which is one of Chase’s most popular business credit cards for good reason!
This credit card packs a ton of benefits into a business credit card, and it will surely allow you to scale your business while also scaling your rewards.
The Ink Business Preferred card currently has a generous welcome bonus, and the bonus alone could be worth at least $2,000 according to our points and miles valuations.
On top of this massive bonus, you will earn 3x Ultimate Rewards points per dollar spent on up to $150,000 in combined purchases every cardmember year on the following bonus categories:
Internet, cable, and phone services
Shipping expenses
Travel
Ads purchased with search engines or social media sites
Let’s talk about the last bonus category. Because of how flexible the bonus category is, Amazon Advertising purchases code to the advertising category.
By maxing out the $150,000 in 3x earning, you could earn 450,000 Ultimate Rewards points, worth around $9,000.
The Ink Business Preferred card also offers fantastic cell phone protection insurance if you tend to lose or damage your phone often. This policy allows you to get reimbursed up to $1,000 per claim up to 3 times per year with a $100 deductible per claim!
The credit card also offers purchase protection, primary rental car insurance, extended warranty coverage, and travel insurance.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
18.74% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
Pros & Cons
Pros
5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
You’ll earn 5x points on flights and prepaid hotels at AmexTravel.com, and 1.5x on eligible purchases in key business categories (including shipping providers), as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).
If you’re a prolific drop-shipper with large expenses, the next benefit of flexible spending is absolutely essential.
The Amex Business Platinum card isn’t a normal card because it doesn’t have a preset spending limit*. One of the small issues with the Ink Business Preferred card is that you might hit the maximum credit limit if you have a big drop-shipping business.
With the Amex Business Platinum card, your spending limit adjusts fluidly to accommodate your spending habits, and this results in potentially huge spending power, as long as Amex thinks you’re able to pay off your bills in full.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 17.99% - 25.99% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.99% - 25.99% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros & Cons
Pros
Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; 17.99% - 25.99% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The Ink Business Cash card is a fantastic credit card for small business owners just starting in their niche.
This card is spectacular for those looking for mega rewards and no annual fee, and those who are fine without travel benefits like lounge access or supplementary insurance policies like cell phone protection.
If you’re laser-focused on a card that rewards you for your spending and aren’t interested in the other fringe benefits, this card could be a great choice for you.
The Ink Business Cash card will earn you 5% cash-back on up to $25,000 spent in combined purchases every account anniversary year in the following categories:
Office supply stores
Cellular phone, landline, internet, and cable TV services each account anniversary year
The first category could amount to a huge portion of your overall business spending because you need to procure packing materials to ship your goods to Amazon fulfillment centers.
You’ll also earn 2% cash-back on up to $25,000 spent in combined purchases at gas stations and restaurants, as well as 1% cash-back elsewhere.
You’ll enjoy a 0% introductory APR period, as well as travel insurance, purchase protection, and no-additional-cost employee cards.
And if you have an Ultimate Rewards card such as the Chase Sapphire Preferred® Card, you can convert your 5%, 2%, and 1% cash-back to 5x, 2x, and 1x Ultimate Rewards points, which would double your return on spending.
The Blue Business® Plus Credit Card from American Express
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros & Cons
Pros
2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost
Cons
No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.
Financial Snapshot
APR: 17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The Amex Blue Business Plus card is one of the most rewarding business credit cards out there. The credit card offers 2x Membership Rewards points for the first $50,000 in purchases per account year, and then 1x points thereafter.
This card gets you access to Membership Rewards without an annual fee, and you’ll also receive purchase protection, extended warranty protection, and the ability to add employee cards at no additional cost (rates & fees).
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 17.99% - 23.99% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.99% - 23.99% thereafter
Pros & Cons
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 17.99% - 23.99% thereafter
We love this card because it comes with a huge welcome bonus right off the bat without an annual fee!
On top of the bonus, you can earn an unlimited1.5% cash-back on your purchases, regardless of spending categories.
If you have an Ultimate Rewards credit card such as the Chase Sapphire Preferred card, your 1.5% cash-back is convertible to a 1.5x Ultimate Rewards points earning structure, which then becomes worth a 3% return on spend.
You’ll also enjoy a great 0% introductory APR benefit, zero liability protection, fraud alerts, no-additional-fee employee cards, and excellent travel coverages such as primary rental car collision damage coverage.
Lastly, you’ll enjoy purchase protection and extended warranty protection when shopping for your business.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250
No annual fee
17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.
This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.
Pros & Cons
Pros
2% cash-back on up to $50,000 in spend, then 1% back thereafter
No annual fee
Travel and purchase protection
Cons
Not ideal for those who spend a lot on a specific category like groceries or gas
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply
Financial Snapshot
APR: 17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Not interested in points or travel? The Amex Blue Business Cash card offers solid cash-back rewards without the complexity of points.
This card earns 2% cash-back on all eligible purchases up to $50,000 per calendar year, then 1%. All cash-back earned is automatically credited to your statement.
You can then use the cash back to reinvest in your business. Additional benefits include travel insurance, purchase protection, extended warranty coverage, and much more.
Final Thoughts
There are numerous credit cards that offer rewards for your Amazon FBA business. However, you should always avoid Amazon’s co-branded credit cards because these cards will not offer you bonus cash-back on Amazon seller fees or Amazon Advertising purchases.
Our absolute favorite card is the Amex Business Gold card that can earn you 4x points, worth an 8.8% return on spend.
There are other fantastic card choices including the Ink Business Preferred card, but you’ll need to keep in mind that the Amex Business Gold card’s 4x points are superior to the Ink Business Preferred card’s 3x points.
We hope that you found this guide useful to help you pick out the best credit cards for your Amazon FBA business!
*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
For the purchase protection and extended warranty benefit of the Amex Business Gold card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the purchase protection and extended warranty benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the purchase protection and extended warranty benefit of The Blue Business® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the purchase protection and extended warranty benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
The information regarding the Amazon Business American Express Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Amazon Business Prime American Express Card, click here. For rates and fees of the American Express® Business Gold Card, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of The Blue Business® Plus Credit Card from American Express, click here. For rates and fees of The American Express Blue Business Cash™ Card, click here.
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