Amazon Business Prime American Express Card — Full Review [2025]

Great Card If

• You frequently make Amazon purchases for your business.
• You want to earn extra cash-back or receive 90-day payment terms on these purchases.

Don’t Get If

• You rarely shop with Amazon and don’t have an Amazon Prime membership.
• You want a card that offers bonus categories for other business expenses your business spends the most on.

Amazon Business Prime Amex Card — Is It Worth It?

If your business regularly requires you to make purchases from Amazon, then adding the Amazon Business Prime Amex card to your wallet might be a perfect fit.

With it, you earn 5% back on U.S. purchases at Amazon.com, Amazon Business, Amazon Web Services, and Whole Foods Market on the first $120,000 in purchases each calendar year, and 1% back thereafter. You also receive 2% back on U.S. purchases at restaurants, gas stations, and wireless phone services purchased directly from service providers.

Additionally, the card includes other great benefits like free employee cards, no foreign transaction fees (rates & fees), baggage insurance, car rental loss and damage insurance, purchase protection, and more, all with a $0 annual fee (rates & fees).

Amazon Business Prime Amex Card Top Benefits

Here is an overview of all of the best benefits of the Amazon Business Prime Amex Card:

• 90-day payment terms: You can opt to have up to 90 days from the date of purchase (with an eligible Prime membership) to pay off your purchase without accruing any interest. Note that selecting 90-day payment terms means you will not also earn 5% back on these purchases.
• Baggage Insurance: Receive up to $1,250 in coverage for carry-on luggage, up to $500 for checked luggage, and a $10,000 maximum limit for all covered persons per covered trip toward lost, damaged, or stolen baggage during your trip.
• Car Rental Loss and Damage Insurance: When you decline the rental company coverage and pay for your rental car with your Amazon Business Prime Amex card, you receive secondary rental car insurance coverage.
• Purchase Protection: For items purchased with your card within 90 days, you receive up to $1,000 in coverage per item and up to $50,000 per calendar year in the event of theft or accidental damage.
• Extended Warranty Protection: Adds 1 additional year of coverage to items purchased with the card that have the original manufacturers’ warranties of 5 years or less.
• No Foreign Transaction Fees: Freely use your card overseas to continue earning rewards without accruing additional fees.

Best Ways To Earn and Redeem Your Cash-Back Rewards

Use your Amazon Business Prime Amex card for as many of your business expenses as you can to rack up your cash-back rewards, especially on purchases that fall within the card’s 2% and 5% cash-back categories.

Remember that the 5% cash-back rewards are not just limited to purchases through Amazon but also apply to Amazon Business, Amazon Web Services, and Whole Foods Market.

When you’re ready to redeem your cash-back rewards, your card allows you to use those rewards as a payment method when purchasing products through Amazon, or you can simply redeem them as a statement credit to offset previous purchases.

Alternative Cards to the Amazon Business Prime Amex Card

The American Express Blue Business Cash™ Card

If you want an uncomplicated cash-back business card with no annual fee, the Amex Blue Business Cash card is a worthwhile card to consider. With it, you earn 2% cash-back on up to $50,000 in purchases each year.

It offers a 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%. (rates & fees). Plus, the card also offers other solid perks like purchase protection, extended warranty protection, car rental loss and damage insurance, and more.

Amazon Business American Express Card

For those who don’t have an Amazon Prime membership but still want business credit card that rewards them for their Amazon purchases, the Amazon Business Amex card is a good choice.

With it, you earn 3% back or 60-day terms on U.S. purchases at Amazon Business, Amazon Web Services, Amazon.com, and Whole Foods Market on the first $120,000 in purchases each calendar year, and 1% back thereafter. Plus, you get 2% back at U.S. restaurants, at U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers, and 1% back on all other purchases.

Like the Prime version, it still offers purchase protection, extended warranty protection, rental car insurance, baggage insurance, and no foreign transaction fees, without an annual fee.

For the baggage insurance plan benefit of the Amazon Business Prime American Express Card and Amazon Business American Express Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. 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 car rental loss and damage insurance benefit of the Amazon Business Prime American Express Card, Amazon Business American Express Card, and The American Express Blue Business Cash™ Card, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the purchase protection benefit of the Amazon Business Prime American Express Card and The American Express Blue Business Cash™ Card, when an American Express^® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. 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 extended warranty benefit of the Amazon Business Prime American Express Card, The American Express Blue Business Cash™ Card, and Amazon Business American Express Card, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. 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.