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5% back on $120,000 in Amazon spending with $0 annual fee and employee cards included
The Amazon Business Prime American Express card charges $0 annual fee and delivers 5% back on Amazon and Whole Foods purchases up to $120,000 annually, plus 2% on dining and gas. You get a $125 Amazon Gift Card at approval, employee cards at no extra cost, and the option to defer payments for 90 days instead of taking 5% cash back. Designed for businesses that spend heavily on Amazon and employee expenses.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Excellent
5X
Cap: $120,000/annual
5X
Cap: $120,000/annual
2X
2% back on U.S. purchases at restaurants
2X
2% back on U.S. purchases gas stations
2X
Wireless phone services purchased directly from service providers
Earn 5% cash back on Amazon.com, Amazon Business, AWS, and Whole Foods Market—the highest rate on the card. Once you hit $120,000 combined spending in a calendar year, the rate drops to 1%. This structure works best for businesses with substantial procurement or retail operations.
A small business with $60,000 annual Amazon spending earns $3,000 in cash back at the 5% tier
Earn 2% cash back on U.S. restaurants (includes food delivery), gas station purchases, and wireless phone services with no annual limits. Applies automatically to every eligible purchase.
Business with $1,200 monthly in dining and $400 in fuel spending: $960 annual cash back
Earn 1% cash back on all other purchases outside bonus categories. No caps, no restrictions — straightforward flat rate on office supplies, equipment, and miscellaneous business expenses.
Spend $10,000 monthly on non-bonus category purchases: $1,200 annual cash back
Benefits & Perks
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehi...
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purch...
Amex works with you to resolve fraudulent or incorrect charges on your statement.
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve a...
With Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additiona...
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 2nd Biz | You might not be allowed to get a second card for a separate business (EIN) |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
| Foreign Transaction Fee | $0 |

5% back on $120,000 in Amazon spending with $0 annual fee and employee cards included
The Amazon Business Prime American Express card charges $0 annual fee and delivers 5% back on Amazon and Whole Foods purchases up to $120,000 annually, plus 2% on dining and gas. You get a $125 Amazon Gift Card at approval, employee cards at no extra cost, and the option to defer payments for 90 days instead of taking 5% cash back. Designed for businesses that spend heavily on Amazon and employee expenses.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Excellent
5X
Cap: $120,000/annual
5X
Cap: $120,000/annual
2X
2% back on U.S. purchases at restaurants
2X
2% back on U.S. purchases gas stations
2X
Wireless phone services purchased directly from service providers
Earn 5% cash back on Amazon.com, Amazon Business, AWS, and Whole Foods Market—the highest rate on the card. Once you hit $120,000 combined spending in a calendar year, the rate drops to 1%. This structure works best for businesses with substantial procurement or retail operations.
A small business with $60,000 annual Amazon spending earns $3,000 in cash back at the 5% tier
Earn 2% cash back on U.S. restaurants (includes food delivery), gas station purchases, and wireless phone services with no annual limits. Applies automatically to every eligible purchase.
Business with $1,200 monthly in dining and $400 in fuel spending: $960 annual cash back
Earn 1% cash back on all other purchases outside bonus categories. No caps, no restrictions — straightforward flat rate on office supplies, equipment, and miscellaneous business expenses.
Spend $10,000 monthly on non-bonus category purchases: $1,200 annual cash back
Benefits & Perks
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehi...
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purch...
Amex works with you to resolve fraudulent or incorrect charges on your statement.
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve a...
With Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additiona...
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 2nd Biz | You might not be allowed to get a second card for a separate business (EIN) |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
| Foreign Transaction Fee | $0 |

5% back on $120,000 in Amazon spending with $0 annual fee and employee cards included
The Amazon Business Prime American Express card charges $0 annual fee and delivers 5% back on Amazon and Whole Foods purchases up to $120,000 annually, plus 2% on dining and gas. You get a $125 Amazon Gift Card at approval, employee cards at no extra cost, and the option to defer payments for 90 days instead of taking 5% cash back. Designed for businesses that spend heavily on Amazon and employee expenses.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Excellent
5X
Cap: $120,000/annual
5X
Cap: $120,000/annual
2X
2% back on U.S. purchases at restaurants
2X
2% back on U.S. purchases gas stations
2X
Wireless phone services purchased directly from service providers
Earn 5% cash back on Amazon.com, Amazon Business, AWS, and Whole Foods Market—the highest rate on the card. Once you hit $120,000 combined spending in a calendar year, the rate drops to 1%. This structure works best for businesses with substantial procurement or retail operations.
A small business with $60,000 annual Amazon spending earns $3,000 in cash back at the 5% tier
Earn 2% cash back on U.S. restaurants (includes food delivery), gas station purchases, and wireless phone services with no annual limits. Applies automatically to every eligible purchase.
Business with $1,200 monthly in dining and $400 in fuel spending: $960 annual cash back
Earn 1% cash back on all other purchases outside bonus categories. No caps, no restrictions — straightforward flat rate on office supplies, equipment, and miscellaneous business expenses.
Spend $10,000 monthly on non-bonus category purchases: $1,200 annual cash back
Benefits & Perks
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehi...
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purch...
Amex works with you to resolve fraudulent or incorrect charges on your statement.
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve a...
With Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additiona...
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| No 2nd Biz | You might not be allowed to get a second card for a separate business (EIN) |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
| Foreign Transaction Fee | $0 |
With $0 annual fee, this card targets businesses with heavy Amazon and employee spending. The 5% cash back on $120,000 annually ($6,000 potential value) plus 2% on dining and gas makes it competitive for small business owners. Employee cards at no cost and 90-day payment terms are unique advantages.
This card falls short compared to superior alternatives in the rewards marketplace. For points and miles enthusiasts seeking maximum value from their spending, we strongly recommend looking elsewhere for more compelling benefits and opportunities.
This card offers limited value compared to alternatives in the market. The benefits simply don't justify applying for this card, especially for those interested in maximizing travel rewards through points and miles strategies. We would rank this near the bottom of our recommended business credit cards for rewards enthusiasts.
The Amazon Business Prime Card offers a specialized rewards structure that may benefit certain small business owners, though it's not ideal for those seeking travel rewards. Key features include:
- 5% cash back on Amazon and Whole Foods purchases (up to $120,000 annually)
- Optional 90-day extended payment terms on qualifying Amazon purchases instead of the 5% cash back
- 2% cash back at U.S. restaurants, gas stations, and wireless phone services
- 1% cash back on all other purchases
- $125 Amazon gift card as a sign-up bonus upon approval
- Purchase protection and travel insurance benefits
- QuickBooks integration for automatic expense categorization
This card may not be suitable if:
- You prioritize travel redemption opportunities, which this card doesn't offer
- Your small business spending at Amazon or Whole Foods is insufficient to benefit from the card's reward structure
Amazon also offers a personal Prime Rewards card with similar benefits: 5% back on Amazon, Amazon Fresh, Whole Foods, and Chase Travel purchases for Prime members, plus 2% back at gas stations, restaurants, and local transit.
The key differences:
- The personal card allows point redemption for travel through Chase (though these are NOT Chase Ultimate Rewards points)
- The personal card counts toward Chase's 5/24 rule, while the business version doesn't
We recommend considering alternatives to both Amazon cards. The Chase Ink Cash business card offers superior value for Amazon shoppers while also avoiding the 5/24 rule. This card provides 5x points at office supply stores like Staples, where you can purchase Amazon gift cards. With Chase points valued at approximately 1.8¢ each, this strategy yields about 9% back versus Amazon's 5%. Also, the Chase Ink currently offers a 75,000-point sign-up bonus, substantially outperforming the $125 Amazon gift card from the business card.
NerdWallet's detailed review with card comparison table and alternative recommendations. Rates the card 4.6/5.0.
Forbes Advisor's comprehensive review covering the 5% Amazon rewards, 90-day financing option, and spending cap analysis. Rates the card 5.0/5.0.
Business Insider's review covering the $125 gift card welcome bonus and generous reward rates on eligible purchases.
US News coverage of the card's bonus cash back categories including Amazon, gas, restaurants, and wireless services.
PointsNav ranking and valuation data for the Amazon Business Prime card with competitive analysis against other business rewards cards.
WalletHub user reviews and editorial assessment of the Amazon Business credit card lineup with detailed scoring.
AwardWallet's analysis of the card's cash back structure and key pros including $0 annual fee and no foreign transaction fees.
CardRatings review highlighting the card as excellent for avid Amazon shoppers with detailed reward breakdowns.


| Source | Date | URL |
|---|---|---|
| — | — | View source |
With $0 annual fee, this card targets businesses with heavy Amazon and employee spending. The 5% cash back on $120,000 annually ($6,000 potential value) plus 2% on dining and gas makes it competitive for small business owners. Employee cards at no cost and 90-day payment terms are unique advantages.
This card falls short compared to superior alternatives in the rewards marketplace. For points and miles enthusiasts seeking maximum value from their spending, we strongly recommend looking elsewhere for more compelling benefits and opportunities.
This card offers limited value compared to alternatives in the market. The benefits simply don't justify applying for this card, especially for those interested in maximizing travel rewards through points and miles strategies. We would rank this near the bottom of our recommended business credit cards for rewards enthusiasts.
The Amazon Business Prime Card offers a specialized rewards structure that may benefit certain small business owners, though it's not ideal for those seeking travel rewards. Key features include:
- 5% cash back on Amazon and Whole Foods purchases (up to $120,000 annually)
- Optional 90-day extended payment terms on qualifying Amazon purchases instead of the 5% cash back
- 2% cash back at U.S. restaurants, gas stations, and wireless phone services
- 1% cash back on all other purchases
- $125 Amazon gift card as a sign-up bonus upon approval
- Purchase protection and travel insurance benefits
- QuickBooks integration for automatic expense categorization
This card may not be suitable if:
- You prioritize travel redemption opportunities, which this card doesn't offer
- Your small business spending at Amazon or Whole Foods is insufficient to benefit from the card's reward structure
Amazon also offers a personal Prime Rewards card with similar benefits: 5% back on Amazon, Amazon Fresh, Whole Foods, and Chase Travel purchases for Prime members, plus 2% back at gas stations, restaurants, and local transit.
The key differences:
- The personal card allows point redemption for travel through Chase (though these are NOT Chase Ultimate Rewards points)
- The personal card counts toward Chase's 5/24 rule, while the business version doesn't
We recommend considering alternatives to both Amazon cards. The Chase Ink Cash business card offers superior value for Amazon shoppers while also avoiding the 5/24 rule. This card provides 5x points at office supply stores like Staples, where you can purchase Amazon gift cards. With Chase points valued at approximately 1.8¢ each, this strategy yields about 9% back versus Amazon's 5%. Also, the Chase Ink currently offers a 75,000-point sign-up bonus, substantially outperforming the $125 Amazon gift card from the business card.
NerdWallet's detailed review with card comparison table and alternative recommendations. Rates the card 4.6/5.0.
Forbes Advisor's comprehensive review covering the 5% Amazon rewards, 90-day financing option, and spending cap analysis. Rates the card 5.0/5.0.
Business Insider's review covering the $125 gift card welcome bonus and generous reward rates on eligible purchases.
US News coverage of the card's bonus cash back categories including Amazon, gas, restaurants, and wireless services.
PointsNav ranking and valuation data for the Amazon Business Prime card with competitive analysis against other business rewards cards.
WalletHub user reviews and editorial assessment of the Amazon Business credit card lineup with detailed scoring.
AwardWallet's analysis of the card's cash back structure and key pros including $0 annual fee and no foreign transaction fees.
CardRatings review highlighting the card as excellent for avid Amazon shoppers with detailed reward breakdowns.


| Source | Date | URL |
|---|---|---|
| — | — | View source |
With $0 annual fee, this card targets businesses with heavy Amazon and employee spending. The 5% cash back on $120,000 annually ($6,000 potential value) plus 2% on dining and gas makes it competitive for small business owners. Employee cards at no cost and 90-day payment terms are unique advantages.
This card falls short compared to superior alternatives in the rewards marketplace. For points and miles enthusiasts seeking maximum value from their spending, we strongly recommend looking elsewhere for more compelling benefits and opportunities.
This card offers limited value compared to alternatives in the market. The benefits simply don't justify applying for this card, especially for those interested in maximizing travel rewards through points and miles strategies. We would rank this near the bottom of our recommended business credit cards for rewards enthusiasts.
The Amazon Business Prime Card offers a specialized rewards structure that may benefit certain small business owners, though it's not ideal for those seeking travel rewards. Key features include:
- 5% cash back on Amazon and Whole Foods purchases (up to $120,000 annually)
- Optional 90-day extended payment terms on qualifying Amazon purchases instead of the 5% cash back
- 2% cash back at U.S. restaurants, gas stations, and wireless phone services
- 1% cash back on all other purchases
- $125 Amazon gift card as a sign-up bonus upon approval
- Purchase protection and travel insurance benefits
- QuickBooks integration for automatic expense categorization
This card may not be suitable if:
- You prioritize travel redemption opportunities, which this card doesn't offer
- Your small business spending at Amazon or Whole Foods is insufficient to benefit from the card's reward structure
Amazon also offers a personal Prime Rewards card with similar benefits: 5% back on Amazon, Amazon Fresh, Whole Foods, and Chase Travel purchases for Prime members, plus 2% back at gas stations, restaurants, and local transit.
The key differences:
- The personal card allows point redemption for travel through Chase (though these are NOT Chase Ultimate Rewards points)
- The personal card counts toward Chase's 5/24 rule, while the business version doesn't
We recommend considering alternatives to both Amazon cards. The Chase Ink Cash business card offers superior value for Amazon shoppers while also avoiding the 5/24 rule. This card provides 5x points at office supply stores like Staples, where you can purchase Amazon gift cards. With Chase points valued at approximately 1.8¢ each, this strategy yields about 9% back versus Amazon's 5%. Also, the Chase Ink currently offers a 75,000-point sign-up bonus, substantially outperforming the $125 Amazon gift card from the business card.
NerdWallet's detailed review with card comparison table and alternative recommendations. Rates the card 4.6/5.0.
Forbes Advisor's comprehensive review covering the 5% Amazon rewards, 90-day financing option, and spending cap analysis. Rates the card 5.0/5.0.
Business Insider's review covering the $125 gift card welcome bonus and generous reward rates on eligible purchases.
US News coverage of the card's bonus cash back categories including Amazon, gas, restaurants, and wireless services.
PointsNav ranking and valuation data for the Amazon Business Prime card with competitive analysis against other business rewards cards.
WalletHub user reviews and editorial assessment of the Amazon Business credit card lineup with detailed scoring.
AwardWallet's analysis of the card's cash back structure and key pros including $0 annual fee and no foreign transaction fees.
CardRatings review highlighting the card as excellent for avid Amazon shoppers with detailed reward breakdowns.


| Source | Date | URL |
|---|---|---|
| — | — | View source |