The Amazon Business Amex Card: These Are the Benefits I Actually Use

Not just points — this card gives me flexibility, better cash flow, and the structure I needed to manage my business expenses with confidence.

Luana Ribeiro

Luana Ribeiro · July 10, 2025 · 3 minutes

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After several months using the Amazon Business American Express Card, I’ve realized the true value isn’t just in the rewards — it’s in the flexibility. Here's how I actually benefit from this card every single week.

💰 3% Back or 60-Day Terms — I choose between earning 3% back or deferring payment for 60 days on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods.
I switch depending on my cash flow needs — it's like having a financing option built into every transaction.

🛒 2% Back on Key Business Expenses — I earn 2% back on purchases at U.S. restaurants, gas stations, and wireless services.
These are real categories I use to run my business — not niche spending areas I have to chase.

📦 1% Back Everywhere Else — From office supplies to unexpected software purchases, I earn at least 1% back on every other business expense.

💼 Seamless Integration with Amazon Business — Every purchase is tracked and categorized automatically.
I can assign expenses, export reports, and manage my team’s purchases — all inside the Amazon Business platform.

🛡️ American Express Business Tools — I get the usual Amex perks too: purchase protection, extended warranties, dispute resolution, and business management tools inside the app.

🧾 No Annual Fee — One of the reasons I applied: there’s no annual fee. It’s rare to find a business card this rewarding with zero cost to carry.

Luana Ribeiro

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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