As someone who runs a digital-first business, I needed a credit card that matched the way I operate. This one exceeded my expectations.
Luana Ribeiro · July 10, 2025 · 3 minutes
Before I got the Amazon Business American Express Card, I was using a personal credit card for most of my company expenses — which quickly became a headache.
Tracking reimbursements, missing out on business-specific perks, and no separation between personal and company spending.
That’s when I started looking for a card that truly aligned with how I run my business, and this one immediately stood out.
BUSINESS REWARDS
You will remain on the current site.
The first benefit that caught my attention was the 3% back or 60-day terms on U.S. Amazon.com, AWS, Amazon Business, and even Whole Foods.
I didn’t have to choose just one permanently — I can pick cash back *or* extended payment terms at checkout depending on what makes more sense that month. That flexibility has saved my cash flow more than once.
There’s also 2% back at restaurants, gas stations, and on wireless telephone services — which I use a lot for team expenses and client meetings. Everything else earns 1% back, so every expense adds up.
Another big advantage is that it has no annual fee. For a business card offering this many rewards and features, that’s rare.
And because it integrates directly with Amazon Business and AWS, it fits seamlessly into our operations — I can track expenses, categorize purchases, and control spending limits across team members.
Plus, being an American Express card, it comes with great purchase protection, travel benefits, and account management tools.
I also appreciate the transparency — no hidden fees, no confusing reward systems, and real value I see every month.
If you're running any kind of business that relies on Amazon or AWS (like mine does), this card just makes sense.
It replaced my general-purpose credit card and became my main tool for smarter, more flexible company spending.
At checkout, you can choose between earning 3% cash back or getting 60-day extended payment terms on eligible Amazon, AWS, Amazon Business, and Whole Foods Market purchases.
No — the Amazon Business American Express Card has no annual fee, making it accessible even for small and mid-size businesses.
No Prime membership is required to apply or benefit from the features, but if you already have Prime, it integrates smoothly with your Amazon account.
Yes — currently, it’s available to U.S.-based business owners with a valid business entity or sole proprietorship.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.
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