Amazon Business Prime American Express Card
American ExpressIssued by American Express
5% Back at Amazon & Whole Foods, 2% Back on Dining, Gas & Wireless, 1% on all else.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
17.74% – 25.74%
Rate based on prime rate and creditworthiness.
SIGN-UP BONUS
125
Get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
TOP CASH BACK
5% Back
5% Back on the first $120,000 in U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market each calendar year with an eligible Prime membership.
Key Benefits
- Choose between 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market.
- Amazon Business Enhanced Data Views: See line-item details of Amazon Business purchases in a downloadable file.
- No Annual Fee
- No Foreign Transaction Fees
- Employee Card Spending Limits and Category Alerts.
Important Limitations
- Non-Amazon category spending where >2% is available
- International travel where Amex is not accepted
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Amazon & Whole Foods | 5% Back | First $120,000.00/year (then drops to 0.01) | • Amazon |
| Restaurants | 2% Back | Unlimited (no annual cap) | 2% Back at U.S. restaurants, U.S. purchased directly from U.S. service providers. |
| Gas | 2% Back | Unlimited (no annual cap) | 2% Back at U.S. gas stations, and on purchased directly from U.S. service providers. |
| All | 1% Back | Unlimited (no annual cap) | 1% Back on other eligible purchases. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
17.74% – 25.74%
CASH ADVANCE APR
28.49% – 28.49%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$39
CASH ADVANCE FEE
$5 OR 3%
Card Protection & Benefits
Purchase Protection
- ✓Covered purchases can be protected for up to 90 days from the date of purchase if they are stolen or accidentally damaged.
- ✓Purchase must be made entirely with the eligible card
- ✓Limit up to $1,000 per occurrence
Extended Warranty
- ✓Provides up to one extra year added to the original manufacturer's warranty of 5 years or less on covered purchases.
- ✓Purchase must be made in the U.S. or its territories
Security Features
- ✓Fraud Protection – 24/7 monitoring of your account for fraudulent activity.
Best Use Cases
IDEAL FOR
- Amazon Business and AWS power users
- Small businesses needing flexible cash flow (90-day terms)
- Whole Foods shoppers
NOT RECOMMENDED FOR
- Non-Amazon category spending where >2% is available
- International travel where Amex is not accepted
Maximize Your Rewards Strategy
0
Earn More Cash Back
- 5% Back on Amazon & Whole Foods
- 2% Back on Restaurants
- 2% Back on Gas
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-492-3344
Terms subject to change · View full terms
Last updated: Mar 17, 2026
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