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By: rkapur
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The Best 5 Amazon Business Credit Cards For Your Small Business

Amazon Business credit card is a great option for small business owners needing a credit option.

As its name indicates, the e-commerce juggernaut Amazon is the one who supports these credit cards. Business owners who choose these cards can take advantage of several benefits by obtaining one.

But before jumping into Amazon’s different offers, it’s important to understand the features and benefits of the different types of Amazon credit cards to choose the one that best suits your needs.

Table of Contents
1. General benefits from Amazon Business credit cards
2. Amazon Business credit card requirements
3. Top Amazon Business credit cards to choose from
4. The best option: Amazon Business prime card
5. How to choose the right credit card for you?
6. FAQs

General Benefits From Amazon Business Credit Cards

A business credit card allows you to access the essential funds necessary for starting a small business. They are usually easier to approve than grants or loans.

There are multiple Amazon Business card options to choose from. Once you have made your selection, you’ll enjoy several benefits, including:

  • Earning rewards with your card on Amazon purchases
  • Use your business card to manage cash flow on Amazon
  • Use your business credit card to take advantage of special financing offers on Amazon
Here are other financing options for small businesses!

Amazon Business Credit Card Requirements

The most important qualification for an Amazon Business card is the credit score.

Most of these cards require a credit score that is good or excellent, although you could be approved with a fair score of 640.

You must also be at least 18 years old. The obvious caveat to the Prime cards is that you must have a Prime membership.

How to get this credit card?

To get an Amazon Business credit card, you must be a business with a current account on Amazon.

You can then apply for the card through the website. The credit limit is usually based on the number of sales your business has made on Amazon.

How to start an application for these credit cards?

Applying for an Amazon Business credit card is easy! Just follow these simple steps, and you’ll be on your way to receiving credit for your business purchases:

  1. Visit the Amazon Business credit card website and click “Apply Now.”
  2. Enter your business information and select whether you want to apply for a personal or business card.
  3. Enter your contact information and wait for a decision from Amazon.
  4. If approved, you will receive an email notification with instructions on how to activate your account.

Top Amazon Business Credit Cards to Choose From

There are two categories of Amazon Business cards, the general Amazon and Amazon Prime. The obvious caveat to the second card is that you must have a business prime membership. A common trait amongst these cards is that there is no annual fee.

Amazon Business American Express Card

Amazon Business American Express Card

FeaturesDetails
Initial APR N/A
Regular APR16.49% –  24.49%
Annual FeeNo annual fee
Credit Score NeededGood-Excellent
Amazon Prime MembershipNo needed

Pros

  • Option of 3% cash back or 60-day terms.
  • Amazon Business American Express cardholders can earn 5% back on Amazon.com purchases, 2% back at US gas stations, and 1% back on all other purchases.
  • An introductory 0% APR offer for the first 12 months of card membership can save businesses money on interest payments.
  • Access to exclusive financing offers, such as no interest if paid in full within 6 or 12 months on Amazon.com purchases of $149 or more. These financing offers can help businesses manage cash flow and make necessary Amazon purchases without accruing interest.

Cons

  • This card does not allow balance transfers, and the introductory zero percent APR is short-lived.
  • Fees for foreign transactions also apply.
  • Cash redemption is incremental.

Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature

FeaturesDetails
Initial APR N/A
Regular APR15.74% –  23.74%
Annual FeeNo annual fee
Credit Score NeededGood-Excellent
Amazon Prime MembershipRequires Amazon Prime Membership

Pros

  • This credit card offers 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% Back at restaurants, gas stations, and drugstores, and 1% Back on all other purchases. 
  • You can request instant rewards redemption.
  • Plus, earn a $100 Amazon.com gift card upon approval.

Cons:

  • Amazon Prime members can also enjoy a 0% intro APR on purchases and balance transfers for the first 12 months. After that, the APR will be variable based on your creditworthiness.
  • Requires Amazon Prime Membership which costs $139 per year.

Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card

FeaturesDetails
Initial APR N/A
Regular APR15.79% –  23.74%
Annual FeeNo annual fee
Credit Score NeededGood-Excellent
Amazon Prime MembershipNo needed

Pros

  • No annual fee
  • You can earn 3% back on Amazon.com purchases, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.
  • Plus, you’ll get a $50 Amazon.com Gift Card upon approval.

Cons

  • This card has low rewards to offer.
  • The percent back on Amazon and Whole Foods is just three percent.
  • Cash redemption is incremental.

American Express Blue Business Cash Card

American Express Blue Business Cash Card

FeaturesDetails
Initial APR 0% on purchases
Regular APR15.49% –  23.49%
Annual FeeNo annual fee
Credit Score NeededGood-Excellent
Amazon Prime MembershipNo needed

Pros

  • This card is a great option for business owners who want to earn cash back on their Amazon purchases.
  • You’ll earn 2% cash back on all Amazon purchases and 1% cash back on all other purchases.
  • Plus, there’s no annual fee.
  • You’ll get a 0% intro APR on purchases for the first 12 months.

Cons

  • This card charges foreign transaction fees.
  • No cash advance.
  • Cap of 50,000 to claim in rewards.

The Best Option: The Amazon Business Prime Card

Amazon business prime card

FeaturesDetails
Initial APR N/A
Regular APR16.49% –  24.49%
Annual FeeNo annual fee
Credit Score NeededGood-Excellent
Amazon Prime MembershipAmazon Prime membership needed

Pros

  • You can use AmEx cards in millions of places in the United States.
  • There’s no annual charge.
  • You can choose between 5% Back rewards or 90-day payment terms on your purchases from Amazon (free shipping on selected items), Amazon Business, Amazon Web Services (AWS), and Whole Foods Market.
  • You can get 2% back rewards on assets made at restaurants, gas stations, and wireless telephone services. And other purchases earn you 1% back rewards
  • Also, you can easily redeem rewards from your points. You can do this at the checkout on Amazon or Amazon Business. Upon approval, you’ll get a $125 Amazon Gift Card.
  • If you spend $3,000 in the 1% and 2% back rewards categories within three months of getting the card, you’ll get $100 as a credit in your card statement.

Cons

  • You need an eligible prime membership to get this card.
  • This card doesn’t offer a promotional APR period.
  • Only available for Amazon Prime members.

Additional benefits that the Amazon Business Prime Card provides

The card also carries several non-monetary benefits. Although these won’t reduce your expenses, they will help you help to monitor them and run your company more efficiently.

Here’s a quick summary of important information:

  • You can issue additional cards to your employees. A maximum of 99 cards is permissible.
  • You can designate a trusted employee as an administrator of the card account. They may be authorized to review statements and dispute charges on your behalf.
  • You can set up account alerts to control employee card use and monitor expenditure.
  • Your account will provide details of item-by-item purchases. You can also view your purchase history and obtain a year-end summary of the items you have bought.
  • Cardholders receive 24/7 customer service phone support. The staff can handle the specific needs of small business owners.
  • There’s complimentary baggage insurance and a car rental loss and damage insurance plan for card members.

Which Prime membership entitles you to a free Amazon Prime Card?

The list includes:

  • Annual or monthly Prime memberships (excluding Prime Video)
  • Trial memberships of yearly and monthly Prime
  • Trial or Paid U.S. Business Prime memberships (excluding Prime Video)

When Amazon approves your application for a business card, they will automatically add it as a payment method to your Amazon account. So the process is pretty seamless.

How To Choose the Right Credit Card for You?

Choosing the right Amazon Business credit card can be a difficult task. There are many factors to consider, such as rewards, interest rates, and credit limits. However, following these simple tips, you can easily find the best Amazon credit card for your business needs.

  • Consider what type of business you have. Amazon credit cards are available for both small businesses and larger enterprises. You may want to consider a card with lower interest rates and credit limits if you have a small business. But, you may want to consider a card with higher limits and rewards if you have a large enterprise.
  • Consider what type of spending your business does. Amazon offers different rewards for different types of spending. Some cards offer cash back for Amazon purchases, while others offer points or miles for travel expenses.
  • Finally, consider your personal credit score. Amazon credit cards are available for both good and bad credit scores.

By following these simple tips, you can easily find the best credit card for your business

Finding Financing Option for Your Business

The Amazon Business Card could be a great choice if you’re already a Prime member and shop at Amazon regularly. However, consider your alternatives carefully if you don’t meet these conditions. There are many options, and you could get a better deal with another card.

However, you could consider a small business loan from Camino Financial. Our small business loan payments are in fixed monthly installments. Unlike credit card companies, we don’t change interest rates if the prime rate changes.

It can be far more economical to borrow from Camino Financial than from a credit card company. Look at our complete business loan requirements and benefits list to see how borrower-friendly we are.

Discover the requirements you need to obtain a loan!

FAQs

Is the amazon store card a credit card?

Yes, the Amazon Store Card is a credit card. You can use it to make purchases at Amazon and other websites that accept American Express.

It offers a variety of benefits, including 5% back on most Amazon purchases, no annual fee, and special financing offers.

Is business prime worth it?

It depends on what you need it for.

Amazon Business Prime can be a great way to get discounts on office supplies and shipping if you’re an individual business owner or freelancer.

However, if you’re a larger company with more purchasing power, you may be able to get better deals through other channels.

Does Amazon Business Prime report to credit bureaus?

No, Amazon Business Prime does not report to credit bureaus.

Amazon Business Prime is a subscription service that offers discounted shipping rates and other benefits for businesses that order products from Amazon.

It is not a credit card and does not impact a business’s credit score. Credit bureaus only track consumer credit information, not business credit information.

Is Amazon a financial institution?

No, Amazon is not a financial institution. While they have several financial products and services, they are not considered a bank or other financial institutions.

This is because they do not accept deposits or offer loans. Instead, its financial products and services seek to help its customers manage and grow their businesses.

What credit score is needed for Amazon business cards?

There is no specific credit score required for Amazon Business cards, but generally speaking, you will need a good to excellent credit score to qualify.

Amazon does not publicly release the minimum credit score required for their business cards, so it’s difficult to say definitively what you’ll need to qualify.

However, we believe you’ll need a credit score of at least 700 to qualify for an Amazon Business card.

Does Amazon offer business credit?

Yes, Amazon offers a business credit line to help businesses grow and expand.

The Amazon Business Credit Line offers qualified businesses up to $750,000 in credit available for use on Amazon.com and other eligible channels. You can use the credit line to purchase office supplies, inventory, or equipment.

How does Amazon business credit card work?

There are many types of Amazon Business credit cards, each with its own terms and conditions.

To learn more about how a specific Amazon Business credit card works, we recommend carefully reading the card’s terms and conditions before applying.

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