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FORTUNLY'S GUIDE

Best Amazon Business Credit Cards - Top Picks for 2022

By
I. Mitic

June 08,2022


Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

Amazon offers a variety of business credit cards to help manage your expenses and grow your business. With features like cash back rewards and no annual fee, these cards can help you save money while you shop on Amazon.com.

Whether you're looking for a card with low interest rates or one that offers special financing, there's an Amazon business credit card for you.

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Amazon Business Prime American Express Logo

Amazon Business Prime American Express

5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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ANNUAL FEE: $0
APR: 14.99% - 22.99% (variable)
WELCOME BONUS: $125 Amazon gift card
RECOMMENDED CREDIT SCORE: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

With a generous welcome bonus and excellent rewards rates, this Amazon Business Prime American Express card is undoubtedly the best pick for Amazon regulars. This credit card is designed for consumers with a good to excellent credit score, offering many additional perks and benefits.

REWARDS: The 5% back or 90-day terms on the first $120,000 in purchases at Amazon properties; 2% back on purchases at gas stations, restaurants, and wireless phone services; 1% back on all other purchases.

Amazon Business American Express Logo

Amazon Business American Express

5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Apply Now
ANNUAL FEE: $0
APR: 14.99% - 22.99%
WELCOME BONUS: $100 Amazon gift card
RECOMMENDED CREDIT SCORE: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

The Amazon Business American Express card is one of the best options for small business owners looking to earn good cash back rewards on Amazon purchases. The credit card offers a solid set of rewards, additional perks such as a credit card management tool, and zero costs for foreign transactions.

REWARDS: The 3% back or 60-day repayment terms with no interest on purchases at Amazon places; 2% back at selected facilities; 1% back on all other purchases.

Amazon Prime Rewards Visa Signature Logo

Amazon Prime Rewards Visa Signature

4.5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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ANNUAL FEE: $0
APR: 14.99% to 22.99%
WELCOME BONUS: $100
RECOMMENDED CREDIT SCORE: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

With $100 and 5% on purchases at Amazon places, Amazon Prime Rewards Visa Signature Card is one of the best Amazon business credit cards. The credit card offers a 0% intro APR for 6 to 18 months and a limited 10% cash back reward on selected products.

REWARDS: 5% cash back on purchases at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases.

American Express Blue Business Cash™ Logo

American Express Blue Business Cash™

4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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ANNUAL FEE: $0
APR: 13.99% - 21.99%
WELCOME BONUS: $250 (if you spend $3,000 in the first 3 months)
RECOMMENDED CREDIT SCORE: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

Thanks to its generous credit statement bonus, 0% APR for the first year, and favorable rate on certain purchases, the American Express Blue Business Cash™ card is one of the top choices for small business owners.

REWARDS: The 2% cash back on the first $50,000 made on select purchases; 1% back on all other purchases

Chase Ink Business Preferred® Logo

Chase Ink Business Preferred®

4.5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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ANNUAL FEE: $95
APR: 16.74% - 21.74%
WELCOME BONUS: 100,000 points
RECOMMENDED CREDIT SCORE: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

Ink Business Preferred® Credit Card welcomes you with 100,000 bonus points if you spend $15,000 in the first three months. You can get a $1,000 cash back or redeem for $1,250 worth in travel rewards.

REWARDS: 3 points per $1 on the first $150,000 in combined purchases; 1 point per $1 on all other purchases.

Chase Ink Business Unlimited® Logo

Chase Ink Business Unlimited®

4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Apply Now
ANNUAL FEE: $0
APR: 13.99% - 19.99%
WELCOME BONUS: $750 bonus cash back
RECOMMENDED CREDIT SCORE: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

With a 0% intro APR and unlimited 1.5% cash back for every purchase, the Ink Business Unlimited® credit card is an excellent Amazon business card for consumers with good to excellent credit scores.

REWARDS: Unlimited 1.5% cash back

Evaluation Criteria

Our Review Methodology

There are a lot of impressive Amazon credit cards, so we had to impose strict evaluation criteria to pick the best ones. Of course, there is no one-size-fits-all credit card because each consumer has their own needs and spending habits. 

While the final decision regarding your credit card pick lies with you, we will share our evaluation methodology to reassure you that we choose only the best Amazon business credit cards.

Credit Card Costs

When applying for a credit card, you should know that each comes with costs, including interest rates and various fees. 

Intro APR 

The intro APR is the annual percentage rate you'll pay during the introductory period. The intro APR most people look for is 0%, meaning that you won't accrue any interest on your balance during this time.

The intro APR on Amazon credit cards is usually between 6 to 18 months. After that, the APR will increase to the card's standard APR. However, not all Amazon cards have intro APRs, and some of them don't offer an intro APR on balance transfers. For example, the Amazon Business Prime card is an excellent credit card, but it doesn’t provide any form of promotional APR. 

Regular APR 

APR, or annual percentage rate, is the amount of interest you'll pay on your credit card balance each year. Always try to get an affordable APR for a credit card because this will affect your budget as long as you’re using it. The final rate you’ll pay will primarily depend on your creditworthiness. 

Annual Fee

An annual fee is a charge you have to pay every year just for having a card. However, most Amazon cards don’t have a yearly fee, so you usually don’t need to worry about this cost. 

Other Fees

Although you will be free of paying annual fees on many Amazon credit cards for business, several other fees apply to those cards. Some that you should be on the lookout for are cash advance, late payment, and returned item fees. The credit cards we reviewed charge industry-standard fees for these services. As for the foreign transaction fee, most cards we reviewed won’t charge this service. 

Membership

Some Amazon cards might have a membership fee, which can be costly.  Before applying, check the credit card terms and conditions because you can get a membership discount if you fulfill certain criteria.

Credit Card Requirements

Amazon business credit card requirements vary depending on the credit card type you choose. However, all Amazon credit cards require a good to excellent credit score. A good credit score is everything above 680, while an excellent one is above 720.

Credit Card Rewards

Among other criteria, we picked Amazon credit cards based on the rewards and promotions they offer. The best ones come with a 5% back on purchases at Amazon stores, including Amazon.com, Whole Foods, Amazon Business, and AWS. Almost all cards come with some interesting cash back rewards, but aside from Amazon-related items, their offers often target different industries.

Another great thing about Amazon cards is that many have a welcome bonus. It’s a one-time promotional offer that Amazon uses to attract new clients. Welcome bonuses can be beneficial for credit card users, especially those who have just started their businesses. For example, the American Express Business Prime card has a whopping $125 welcome bonus.

Additional Features

Finally, you should also check for additional features that you can get with a credit card. Some issuers offer credit card management tools, including tools for managing your account, tracking payments, or monitoring your credit score. 

American Express also provides human support to help with your transactions and credit card management. Additional features can include buyer protection, travel insurance, extended warranty, and many other useful perks.

Quick Breakdown

Amazon Business Credit Cards for 2022 - Our Top Picks

  • Amazon Business Prime American Express - Best overall

  • Amazon Business American Express - Best additional credit card perks

  • Amazon Prime Rewards Visa Signature - Best reward rate

  • American Express Blue Business Cash™ - Best welcome bonus

  • Chase Ink Business Preferred® - Best for advertising and business purchases

  • Chase Ink Business Unlimited® - Best for a low-interest rate

How To Choose the Right Amazon Credit Card for Your Business

There are many different business credit cards available for Amazon businesses, so it can be challenging to choose the right one for yours.  They all offer excellent benefits and rewards, but some may be better suited for your business than others. So, before making the final decision, consider all pros and cons of each Amazon credit card. Also, think about the following:

The Type of Business You Have 

This can help you decide which credit card is better for you. If you run a sole proprietorship instead of an LLC, you should rely on your personal credit score only when applying for a credit card. Luckily, almost all credit cards offered by Amazon allow this option. 

The business type you run should help you decide between credit cards with versatile reward offers. For example, if you purchase many items at Amazon directly, the Amazon Business Prime card is probably the best option for you. 

If you travel a lot for business, choose a card that offers points you can redeem for travel benefits. 

Business Spending Habits

Almost all cards offered by Amazon have generous rewards for consumers who spend a lot at Amazon-related stores. If you are a big spender, you may want to choose a card with the highest reward rate in the categories that you spend the most. 

Other cards are designed for business owners who pay a lot for social media advertising. They also offer good rewards for internet and cable service expenditures.

Business Phase

If you are on steady ground with your business, you might look for an Amazon business account credit card that offers a generous welcome bonus. The bonus reward is usually applicable if you spend a certain amount of money in the first few months after opening your account. Usually, the bonus reward is paid in cash and credited to your account almost instantly. 

Alternatively, if you are a small business owner or your business is just starting, you may want to choose a card with lower interest rates and fees. Many cards come with a zero annual percentage rate in the first twelve months, which is a great chance to use them on business-related expenses without worrying about interest.

Business Credit Score 

Many Amazon-related cards require above-average credit scores, especially if you want a good APR.  For example, the Amazon Business Prime Card has a credit score requirement of at least 700 to get a lower APR.

FAQ

Does Amazon have a business credit card?

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Yes, Amazon offers credit cards for businesses. There are several options to choose from, including cards with excellent bonus offers, good rewards, and many other perks.

What credit score do I need for an Amazon credit card?

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If you want to apply for an Amazon business credit card, you need to have at least a good credit score. Most cards require a good to excellent credit score, and the higher you have, the better the rates you’ll get.

Is there an annual fee for Amazon business credit cards?

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No, most Amazon cards come with a zero fee annual membership. However, we recommend carefully reading the terms and conditions for every credit card you consider applying for and checking the costs that the card includes.

Can I use my Amazon business credit card anywhere?

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Yes, you can use your Amazon business credit card anywhere that accepts credit cards. This includes online, in-store, and over-the-phone purchases. There may be some restrictions on certain types of transactions, such as cash advances or balance transfers, so check with your card issuer for more information.