AMAZON BUSINESS PRIME
IN-DEPTH REVIEW 2019

Everything you need to know about Amazon Business Prime.

9.1

Overview

Are you an Amazon Business Prime member and already use Amazon services as a big part of your business? Then the Amazon Business Prime American Express Card allows you to save and earn big. With low fees, the option to get 5% back on purchases made through Amazon services, and 1-2% back on other purchases, customers easily earn rewards while operating your business as usual. The card comes with additional account management services that allow you to spend your time operating and expanding your business. 

 

Who Is This Card Suitable For?

The Amazon Business Prime American Express Card provides business owners an excellent choice. This credit card makes sense for those who already have an Amazon Business Prime membership (or consider signing up for one).  This card also suits those who frequently use Amazon services for their business or business owners who plan to do so.  


If your business frequently uses Amazon Business, AWS, Amazon.com, or Whole Foods Market, the card's 5% back option will prove a valuable option. You can make money while you spend it on things that you already need through rewards. Even if you don't use Amazon services for business spending, you can save big with the card's 2% back feature for purchases made in popular spending categories like restaurants and gas stations.  


If you'd like to finance a large purchase for your business, the 90-day interest-free option will let you do so without having to worry about making any kind of interest payments for 90 days.  


Features


The Amazon Business Prime American Express Card has some great features that allow business owners to make money as a member of Amazon Business Prime. New cardholders receive an immediate bonus of a $125 Amazon.com Gift Card as part of American Express's welcome for new cardholders.  


Many business owners choose this card because of the lack of fees. There's no annual fee or foreign transfer fees, and you never have to pay any fees for employee cards associated with your account.  


The Amazon Business Prime American Express Card does not come with an introductory APR rate. The regular APR is a 15.99-23.99 variable rate. One of the factors that will determine your APR is your credit, so you may want to check your score before applying for the card to get the best rate possible.  


With the Amazon Business Prime American Express Card, you can choose whether you receive 5% back on purchases made through Amazon Business, AWS, Amazon.com, and Whole Foods Market, or a 90-day grace period where you don't have to pay interest on these types of purchases. You also receive 2% back on any purchases made at restaurants, gas stations, or with wireless telephone service providers in the United States. This could become extremely lucrative as you could earn money back on client meetings and travel expenses. The Amazon Business Prime American Express Card will also earn you 1% back on all other purchases.  


What is the Intro APR?  
Variable 15.99% - 23.99% based on creditworthiness and the market  


What is the Regular APR?  
Variable 15.99% - 23.99% based on creditworthiness and the market  


What is the Annual Fee?  
$0 


What is the required Credit Score?  
690 


 

Perks of the Card


Along with great terms, the Amazon Business Prime American Express Card provides business owners with an array of perks that can save business owners time and money. The card comes with expense management tools that allow you to spend less time managing your account and more time growing your business.  


Business owners benefit from an account manager feature that comes with the Amazon Business Prime American Express Card. Once approved, you'll receive an account manager who will review your statements, make payments on your account, and dispute charges for you.  


Amazon Business Prime American Express cardholders also have the option of requesting free employee cards for any employees who make purchases on behalf of the business. This means that you can easily track all of your employee spending in one place. You can also take full advantage of all of the card features, especially the cash back on qualifying purchases.  


Other perks of the card that will make your life easier as a business owner include easy account integration with Quickbooks and year-end summaries. In addition, the Spend Manager allows you to add notes and receipts to your transactions for easy reference.  


With this American Express Business credit card, you enjoy purchase protection and warranty extension benefits. With purchase protection, you can refund if any goods in the event of a price drop within 120 days of purchase (90 days for residents of New York, Indiana, Guam, Puerto Rico, and Northern Mariana Islands). This feature allows you to get up to $50,000 refunded annually. With the warranty extension perk, American Express will match U..S. manufacturer warranties (up to 5 years) for any eligible purchase that you make with your Amazon Business Prime American Express Card. 
 

 

Customer Support

American Express provides Amazon Business Prime American Express cardholders support via phone, traditional mail, and online chat. If you call the number on the back of your card, you'll reach a representative specifically trained to assist small business owners.  


For those who prefer to reach the company by post, the website lists contact information to reach someone who can assist with your questions. Their website also has a support center and a live chat feature, if you prefer getting answers more immediately. The website's FAQ section contains information on topics that cover things like card security, account management, and payments, statements, and balances.  

 

Bottom Line

The Amazon Business Prime American Express Card provides amazing benefits for Amazon Business Prime member. Cardholders can take advantage of earning offers and interest-free periods. Plus, this card has no fees. 

PROS
  • Rewards don't expire
CONS
  • Personal line of credit
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Joe Schwartz

Credit Cards Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.