Amazon Business Prime American Express Card – Full Review

The Amazon Business Prime American Express Card is a standout option for businesses that frequently purchase from Amazon, AWS, or Whole Foods.
With no annual fee and a strong set of business-friendly features, it combines high-value rewards with flexible payment options.

✅ Welcome Bonus: Upon approval, you receive a $125 Amazon Gift Card instantly—no spending requirement.
This makes the card one of the few offering immediate value without needing to hit a minimum purchase threshold.

💰 Rewards Structure: – 5% back or 90-day terms on U.S.
purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market (with an eligible Prime membership), on up to $120,000/year. – 2% back at U.S.
restaurants, gas stations, and on wireless phone services purchased directly from providers. – 1% back on all other purchases.

🌍 No Foreign Transaction Fees: Great for business purchases made abroad or international travel. This benefit saves you 1%–3% on each transaction made outside the U.S.

📊 Powerful Business Tools: – Add employee cards for free with custom spending limits. – View enhanced purchase data (item-level details from Amazon). – Sync with QuickBooks® for automatic expense tracking. – Download annual summaries to simplify tax reporting.

🛡️ Purchase & Travel Protections: – Purchase Protection: Covers eligible items from accidental damage or theft (up to $1,000/item).
– Extended Warranty: Adds up to one extra year to eligible manufacturer warranties.
– Car Rental Damage Waiver and Baggage Insurance for peace of mind while traveling.

📦 Flexible Payment Option: Instead of earning 5% back, you can choose 90-day payment terms with 0% interest on Amazon-related purchases—ideal for managing business cash flow during tight months.

🚫 Limitations to Consider: – Requires a Business Prime membership (starting around $69/year).
– Rewards at 5% are capped at $120,000 annually—after that, it drops to 1%.
– While American Express is widely accepted in the U.S., international acceptance may be more limited than Visa or Mastercard.

🎯 Bottom Line: If your business is Amazon-first, this card offers excellent value with no annual fee.
It’s especially powerful for teams needing multiple cards, detailed reporting, and cash flow flexibility.
With automatic reward redemptions, data syncing, and reliable Amex customer service, it’s a top-tier choice for digital and eCommerce-heavy operations.