The 5 Best Business Credit Cards for Amazon FBA Sellers [2024]
![The 5 Best Business Credit Cards for Amazon FBA Sellers [2024]](https://upgradedpoints.com/wp-content/uploads/2021/01/Amazon.jpg?auto=webp&disable=upscale&width=900)
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
What To Look for in a Business Credit Card for Amazon FBA Sellers
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:
- Amazon Business American Express Card
- Amazon Business Prime American Express Card
- Prime Visa Card
- Amazon Rewards Visa Signature Card
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 have a chat about the best cards for Amazon FBA sellers.
The 5 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 handsome 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.
The catch with ads on Amazon is that American Express doesn’t count Amazon Advertising as an eligible advertising merchant, which is a disappointment.
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 sauce to maximizing your rewards as an Amazon FBA seller.
Let’s look at our top card picks!
1. Ink Business Preferred® Credit Card (Staff Pick)
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® 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.
- 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
- 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.
- Member FDIC
- APR: 20.74% - 25.74% Variable
- Foreign Transaction Fees: None
Our top winner 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 end up with 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.
Bottom Line: Overall, the Ink Business Preferred card is one of the kings of business credit cards thanks to its ability to earn 3x points on numerous bonus categories, including an advertising category under which Amazon Advertising counts, a gigantic welcome bonus, and numerous other credit card benefits. You’ll get all of this for a low annual fee!
Why We Like Earning Chase Ultimate Rewards Points
We love Chase Ultimate Rewards points because they can be reinvested into your business via statement credits and cash-back, used for merchandise and gift cards, or redeemed for phenomenal value on business and first class flights or 5-star hotel stays through airline and hotel partner transfers.
Of course, you can stick to the tried-and-true method of redeeming your points for 1.25 cents per point through the Chase travel portal.
These points are among the most valuable in the world, worth approximately 2 cents per point, according to our valuations.
2. The Business Platinum Card® from American Express
Terms Apply / Rates & FeesThis card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.
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.
- 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)
- High annual fee of $695 (rates & fees)
- Airline fee credit does not cover airfare, only incidentals like checked bags
- 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.
- $695 Annual Fee.
- Terms Apply.
- APR: 18.99% - 27.99% Variable
- Foreign Transaction Fees: None
The Amex Business Platinum card is arguably the best card for businesses in the entire world.
You’ll earn 5x points on flights and prepaid hotels at Amex Travel, 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).
With this card, you’ll earn up to $200 annual airline fee credit, up to $400 in statement credits for U.S. purchases with Dell, up to $360 Indeed credit, up to $150 Adobe credit, up to $120 wireless credit, Global Entry/TSA PreCheck application fee credit, Hilton Honors and Marriott Bonvoy Gold status upon enrollment, access to Amex Fine Hotels & Resorts, 35% points rebate on select flights, and much more.
But perhaps the most impressive benefit is its unparalleled access to the phenomenal American Express Global Lounge Collection that includes over 1,400 lounges:
- Airspace Lounge
- Centurion Lounges
- Delta Sky Clubs (when flying on a same-day Delta flight)
- Escape Lounges — The Centurion Studio Partner
- International American Express Centurion Lounges
- Plaza Premium Lounges
- Priority Pass lounges (upon enrollment)
- Select Lufthansa Lounges (when flying on a same-day Lufthansa flight)
- Select Virgin Clubhouses
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. That 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. 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.
Why We Like Earning Amex Membership Rewards Points
Amex Membership Rewards points are our most valuable points currency, worth around 2.2 cents per point.
We love Amex points because you can use them for out-of-this-world first class flights when redeeming via transfer partners.
Also, you can utilize Amex points for charity, gift cards, merchandise, statement credits/cash-back, and travel bookings made through Amex Travel.
3. Ink Business Unlimited® Credit Card
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.
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
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 17.99% - 23.99% thereafter
- 3% foreign transaction fee
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- 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.
- 0% introductory APR for 12 months on purchases
- Member FDIC
- APR: 0% intro APR on purchases for 12 months; variable 17.99% - 23.99% thereafter
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The Ink Business Unlimited card is offered by Chase, and it allows you to earn simple, uncapped rewards.
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 have the ability to earn an unlimited 1.5% 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.
4. Ink Business Cash® Credit Card
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy 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% - 23.99% thereafter, you could be adding big value back into your business for no cost out of pocket.
- 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
- 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- Spending caps in bonus categories
- Low points earning outside of bonus categories
- 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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
- APR: 0% intro APR on purchases for 12 months; 17.99% - 23.99% 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 out 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 really 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 on 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 basically double your return on spending.
5. The Blue Business® Plus Credit Card from American Express
Terms Apply / Rates & FeesEarn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.
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.
- 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
- 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, 17.99% - 25.99%, 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.
- APR: 17.99% - 25.99% 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 (see rates & fees).
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 Ink Business Preferred card that can earn you 3x points, worth a 6% return on spend.
There are other fantastic card choices including the Amex Business Platinum card, but you’ll need to keep in mind that Amex doesn’t currently count Amazon Advertising as an eligible advertising provider, so you wouldn’t get bonus points under the advertising category with these purchases.
We hope that you found this informational guide useful to help you pick out the best credit cards for your Amazon FBA business!
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 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.