Comparison Amazon Business Amex Card vs Brex Card

Two powerful business cards built for different stages — here’s how I chose the right one for my company.

Amazon Business American Express Card

★ 4.6 Best for Amazon-Based Businesses

Apply Now

via American Express

Brex Card

★ 4.8 Best for Fast-Growing Startups

Apply Now

via Brex.com

Compare Features

📊 Recommended Credit Score

Score Range

Recommended: Good Credit (690+)

Best for businesses with heavy Amazon or AWS usage

No personal credit check required

Ideal for startups and tech companies with high growth potential

💚 Great For

💳 Annual Fee

Amount

$0 Annual Fee

🎁 Bonus Offer

Details

Earn a generous welcome bonus after qualifying purchases (varies by offer).

Access to $150K+ in startup partner rewards (AWS, Notion, Slack, etc.)

Summary & Opinion

I’ve used both cards, and the truth is: they’re built for very different business needs.

The Amazon Business Amex is perfect if your business spends heavily on Amazon or AWS. The ability to choose 3% back or 60-day terms is incredibly useful when managing cash flow. It’s also simple, reliable, and has great integration with Amazon Business and expense tracking tools — all without an annual fee.

On the other hand, the Brex Card feels like it was custom-built for modern, fast-scaling startups. There’s no personal guarantee, no credit check, and I could issue virtual cards to my entire team instantly. The rewards categories make a lot of sense for companies spending on rideshare, SaaS, and travel. Plus, the Brex dashboard replaced multiple financial tools I used to pay for separately.

👉 If you’re in eCommerce or service-based and rely on Amazon, go with Amazon Business Amex.
👉 If you’re a tech startup or have VC backing, go with Brex for smarter scaling.

In my case? I use both — one for structure and inventory, the other for operations and growth.