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Amazon Business Prime Credit Card: Full Review +How to Get One

By Joe

Amazon Business Prime Credit Card

The Amazon Business Prime Credit Card has been around for awhile now, and it’s convenient for business spending with Amazon, AWS, and Whole Foods. But, that isn’t the only reason why you would want one. Here, I’ll lay out the card benefits in full and explain how to get a business credit offer from Amazon and Amex. 

For those who already have the card, I’ll explain how to get the most rewards with your spending and answer some common questions.

Here’s what’s in store: 

  • What is the Amazon Prime Business Credit Card?
    • Amazon Company Overview
  • Amazon Business Prime Credit Card Summary
    • How Does the Amazon Business Card Work?
    • Can Anyone Get an Amazon Business Prime Card?
    • How to Get an Amazon Prime Business Credit Card
  • Frequently Asked Questions
  • Wrapping Up

Let’s roll!

What is the Amazon Prime Business Credit Card? 

The Amazon Business Prime Card is like a VIP pass for your business expenses. With no annual fee, you can snag a $125 Amazon.com Gift Card just for getting approved—nice, right? 

The more you spend at Amazon Business, AWS, Amazon.com, and Whole Foods Market, the more you earn back, like 5% back or 90-day terms on eligible purchases with a Prime membership – Dining out, filling up at gas stations, and handling phone bills also get you some sweet 2% back. Everything else? You still get a cool 1% back. 

Plus, the perks include: 

  • No foreign transaction fees
  • Expense management tools
  • Baggage insurance for your travels 

It’s like your business’s new best friend with benefits! 

You might also like: Amazon Corporate Credit Line – The Ultimate Guide 

Amazon Company Overview 

If you haven’t heard of Amazon, it would surprise me. Still, for the sake of staying true to my comprehensive nature, here’s a quick rundown. 

Amazon is the big dog of online everything…It started as a humble online bookstore in ’94, and look at it now—like the Godzilla of e-commerce. From A to Z, they’ve got it all, and I mean everything: Books, gadgets, groceries, cloud computing, streaming, you name it. 

Amazon Business Prime account

The founder, Jeff Bezos, turned a garage project into a tech empire over the course of the past 30 years. Fast shipping? Hello, Prime! They even got drones in the game. With fingers in so many pies, it’s hard to imagine a world without that iconic smiling arrow. 

Amazon is a seattle-based company that now has a ton of subsidiaries including Xoox (future driverless, electric taxis), Whole Foods, Twitch, and IMDB. 

Amazon Subsidiaries

The current CEO, Andy Jassy, had been with the company since 1997, founded AWS in 2006, and took over Amazon Inc. when Bezos stepped down in 2021. 

At this point, there aren’t many industries Amazon doesn’t have their hand in. Still, their business credit card is serviced by Warren Buffet’s American Express (a Berkshire Hathaway company). The card doesn’t currently offer cashback on purchases with most subsidiaries, but they’re in an interesting position that would make this possible – I wonder if that’s something we could see in the future. 

Amazon Business Prime Credit Card Summary

Looking to level up your business game? Enter the Amazon Business Prime Credit Card—a great tool for savvy business spenders. From a $125 welcome gift card to cash back rewards on your favorite business expenses, this card is a VIP pass to Amazon-related savings. 

Let’s dive into the details!

How Does the Amazon Business Card Work?

So, how does this card work its magic? It’s all about the cashback game…Let’s review. 

Amazon Prime card for business

You earn 5% back or get extended 90-day terms on U.S. purchases (your choice) at: 

  • Amazon Business
  • AWS
  • Amazon.com
  • Whole Foods Market

The 5% cashback offer is good for up to $120K in spending per year. 

Dining out, fueling up, or sorting out your wireless bills? Enjoy 2% back—every other purchase scores you a solid 1% back. The more you spend, the more you earn. Simple as that.

Amazon Business Prime Credit Card review Reddit

Then, as an Amex cardholder, you can take advantages of even more benefits: 

  • Gain deeper insights into your purchases for smarter decisions.
  • Simplify expense reconciliation with itemized, downloadable purchase details.
  • Earn rewards with no expiration, giving you flexibility in usage.
  • Redeem points on Amazon.com and Amazon Business (U.S.) or apply them to your balance.
  • Travel the world without worrying about foreign transaction fees.
  • Enjoy global card acceptance with American Express.

Plus, this card comes with no annual fee (they make up for this with your prime membership fee). If you play the game well, you can end up saving quite a bit. 

Moreover, you can leverage extra protection on purchases made with the card: 

  • Get an extended warranty on items you purchase with the card, up to one extra year.
  • Purchase protection guards your purchases for up to 90 days against theft or accidental damage.
  • Receive support with dispute resolution for any fraudulent or incorrect charges on your statement.

Hopefully, you won’t ever have to use them, but these perks will make life easier if you do. 

You might also like: Marriott Bonvoy Business Credit Card Review & Comparison 

Can Anyone Get an Amazon Business Prime Card?

The Amazon Business Prime Card is up for grabs for any business, but there are a couple things to note: 

  1. The basic requirements are that you are at least 18 years of age, own at least half of your business, and have a Prime or Business Prime account.
  2. While there’s no minimum credit score posted on the door, a solid creditworthiness vibe is key – people I’ve known to be approved for this card had a score of 700 or above. 
  3. You may need an EIN set up with the IRS, a business bank account, and a business address. 

Note: If you downgrade your Amazon Prime account, Amex may downgrade your cashback rewards structure, but this doesn’t seem to happen to everyone. 

Amazon Business Prime Credit Card apply

People often wonder about the APR, and here’s the lowdown: Your annual percentage rate will dance in the 19.49% – 27.49% variable rate range. 

Recommended: Here’s How to [Actually] Get Business Credit With Just an EIN +More Options 

How to Get an Amazon Prime Business Credit Card

Pre-approval requirements for the Amazon Prime Business card are not crystal clear, but a decent credit score waltz will get you far. Keep those expenses in check, and you might just find this card in your wallet.

If you sign up for an Amazon account with a professional email account (name@yourbusinessname.com), Amazon will invite you to sign up as a business. From here, they run periodic checks and might send you an offer to apply. 

To apply today without pre approval, you can do so on the Amex website. Apply, and you could get a decision in as fast as 30 seconds—once approved, enjoy the perks, the cashback, and that shiny new card in your hands.

💡 Business Credit Bonus Tip: Leverage In-App Amex Offers for More Savings

Keep an eye on Amex Offers through the American Express® App. These are personalized deals and discounts that Amex cardholders receive based on their spending habits. When you regularly check and activate these offers, you can enjoy extra savings on purchases from various merchants.

Amazon Business Prime Credit Card Login

Frequently Asked Questions

Is the Amazon business credit card only for Prime members?

Yes, the Amazon Business Credit Card is available to Amazon Prime and Amazon Business Prime members. Hence, their ability to offer an Amex card with no annual fee. 

How am I eligible for Amazon business?

Eligibility for Amazon Business typically involves having a business entity. You can sign up on the Amazon Business website using a professional email address (name@yourbusinessname.com).

Do you need a credit card to open an Amazon Business account?

No, having an Amazon Business account doesn’t require you to obtain an Amazon credit card or any other credit card. You can pay with a debit card. Amazon even accepts EBT cards for some food purchases in select locations. However, a credit card can be beneficial for making purchases and accessing card-specific benefits.

What's the credit limit on the Amazon credit card?

Credit limits are determined based on individual creditworthiness and financial factors. The assigned limit will be provided upon approval. Amex tends to extend credit limits in the tens of thousands range with responsible use, but they’re also known to decrease limits, without warning, at the first sign of irresponsible credit usage. 

Is there an annual fee for the Amazon business card?

No, there is no annual fee for Amazon’s business credit card. However, you will need to pay $179+ annually for a Business Prime account to qualify. 

Is Amazon business credit card a hard pull?

Yes, applying for the Amazon Business Credit Card will result in a hard pull on your credit report. It’s advisable to be mindful of your credit inquiries.

Wrapping Up

In a nutshell, the Amazon Business Prime Credit Card can be your business’s VIP pass, offering rewards and perks that go beyond convenience. From cashback on Amazon, AWS, and Whole Foods spending to added benefits like no foreign transaction fees and enhanced purchase protections, it’s not just a card—it’s a business ally.

Amazon’s evolution from an online bookstore to an e-commerce giant with global reach is awe-inspiring. As for the card, eligibility is straightforward, rewards are impressive, and the application process is hassle-free.

Whether you’re a seasoned user or contemplating joining the Amazon Business Prime Card club, remember: a good credit score dance can open the door to a world of benefits. 

While I really do like this card, I tend to favor small community banks and credit unions (which you already know if you follow this blog). I tend to see businesses get larger lines of credit when they have the right rapport with smaller institutions. 

If you’re ready to learn how to obtain up to $100K in business credit in as few as 30 days, join Business Credit Workshop today!

9 Best eCommerce Credit Cards (Online Sellers’ Guide)

By Joe

Best eCommerce Credit Cards

eCommerce is a fast-paced industry – On top of managing your inventory and making sales, you have to handle logistics, maintain relationships with suppliers, and keep your customer service on point while you maintain momentum. In the meantime, you need the right financial tools. Business credit cards and corporate cards can streamline your money operations. 

So, what are the best credit cards for eCommerce?

You’ve landed on a deep dive here, which you can use to determine exactly what card is right for you and your online store. If you don’t already know, you’ll learn the difference between business credit cards and corporate cards, find out what to look for in a card, and browse a list of the best cards for business owners in the online sales niche. 

(Quick note: we’re not talking about consumer credit cards for online shopping.) 

Here’s what’s in store: 

  • Navigating the Plastic Jungle: Business Credit vs. Corporate Cards
  • Best Business Credit Cards for eCommerce
    • 1. Amazon Business Prime Card from Amex
    • 2. Amex Business Gold Card
    • 3. Chase Ink Business Preferred Credit Card
    • 4. Chase Ink Business Unlimited Credit Card
    • 5. The Amex Blue Business Plus Credit Card
  • Best Corporate Cards for eCommerce
    • 1. Stripe Corporate Card
    • 2. Brex Corporate Card
    • 3. Divvy Corporate Card
    • 4. Shopify Credit
  • Frequently Asked Questions
  • Final Swipe: Master Your Business Finances

Now, let’s jump in! 

Navigating the Plastic Jungle: Business Credit vs. Corporate Cards

Alright, buckle up — it’s decision time. You’ve got your eye on that shiny piece of plastic, but should it scream “business” or “corporate”? Let’s break down the rumble between these heavyweights.

Business credit cards are designed for companies who need a line of credit that can carry a balance each month. You would choose a business credit card over a consumer credit card because of the tailored rewards and features and the ability to obtain larger lines of credit…The transition to business credit can change your life. 

Meanwhile, corporate cards typically have to be paid in full each month and tend to come with a range of advanced features like real-time expense tracking, budget controls, and integration with your business tools and software.

In a nutshell, both types of cards may offer rewards like cash back or discounts with technology partners (though this is a fairly new offering from contemporary corporate cards). So, you might get a business credit card when you need a cash flow boost for your company and a corporate card when you need better financial management – And, many businesses use both. 

Recommended: Here’s How to [Actually] Get Business Credit With Just an EIN +More Options 

Best Business Credit Cards for eCommerce

Opting for a business credit card is a savvy move, especially for eCommerce ventures. It provides the flexibility needed to navigate the dynamic landscape of online businesses. 

Look for a business credit card tailored to eCommerce that offers rewards and benefits specifically relevant to your industry. 

Focus on features like: 

  • Bonus points for online advertising
  • Shipping perks
  • Cash-back options for your predominant business expenses

Generally, a good business credit card for eCommerce should align with your spending patterns and provide valuable rewards that can be reinvested or used to enhance your online operations.

Now, let’s take a look at the best eCommerce best credit cards. 

You might also like: 6 Best Business Credit Cards for Entrepreneurs: Fuel Your Growth 

1. Amazon Business Prime Card from Amex

Best credit card for eCommerce Reddit

The Amazon Business Prime American Express Card is a fantastic choice for Amazon sellers looking to maximize their business expenses. With this card, you enjoy flexible payment terms, allowing you to carry a balance if needed. 

The Annual Percentage Rate (APR) is competitive, offering financial convenience. 

What makes this card stand out are the rewards – you earn 5% back or 90 days interest-free on U.S. purchases at: 

  • Amazon Business
  • AWS
  • Amazon.com
  • Whole Foods Market 

Additionally, you earn 2% back at: 

  • Restaurants
  • Gas stations
  • Wireless telephone services 

For the online seller crowd, this card is a boon, especially for those heavily invested in the Amazon ecosystem. The 5% back on Amazon Business purchases can significantly boost your bottom line, making it a go-to choice for Amazon sellers looking to make the most out of their business spending (it might be the best card for those with an Amazon seller account). 

You might also like: Amazon Corporate Credit Line – The Ultimate Guide 

2. Amex Business Gold Card

Best credit card for print on demand

The American Express® Business Gold Card is a solid choice for online sellers, offering flexibility and rewards tailored to business needs. While it’s no Centurion (the credit card the Kardashians use), with this card, you enjoy a dynamic payment structure, allowing you to carry a balance when necessary. 

The APR is competitive, ensuring financial convenience. What sets this card apart are the rewards – you earn 4X Membership Rewards® points on two select categories where your business spent the most each billing cycle, up to the first $150,000 in combined purchases from these two categories each calendar year. 

The U.S. reward categories include: 

  • Airfare purchased directly from airlines
  • Purchases for advertising in select media
  • Purchases at gas stations
  • Purchases at restaurants
  • Purchases for shipping
  • Computer hardware
  • Software
  • Cloud computing purchases 

These perks make it a great fit for a variety of online sellers, including those invested in advertising, travel, and technology. The flexibility in reward categories makes it adaptable for a range of business expenses, making it an attractive option for Etsy sellers, Shopify sellers, and those using various online platforms.

Recommended: What is the Best Credit Card for Ad Spend? Expert Insights 

3. Chase Ink Business Preferred Credit Card

Best credit card for online sellers United States

The Ink Business Preferred® Credit Card from Chase Bank is a stellar choice for online sellers, particularly those with diverse business expenses. With this card, you enjoy favorable payment terms and a competitive APR for financial flexibility. 

The standout feature is the generous rewards program – you earn 3 points per $1 on the first $150,000 spent on combined purchases in categories like: 

  • Travel
  • Shipping
  • Advertising

The points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® program. For online sellers, this card is especially appealing because of its broad reward categories, making it suitable for various business expenditures. 

Whether you’re into advertising on social media, frequently shipping products, or managing travel for business purposes, the Chase Ink Business Preferred® Credit Card caters to a wide range of online sellers, including those using payment platforms like Shopify and Stripe.

Recommended: Chase Ink Business Preferred Credit Card: A Deep Dive Analysis 

4. Chase Ink Business Unlimited Credit Card

Can you get a business credit card for an Etsy shop?

The Chase Ink Business Unlimited® Credit Card is a straightforward and rewarding choice for online sellers seeking simplicity and flexibility. This card comes with uncomplicated payment terms and a competitive APR, offering financial ease. 

What makes it appealing is the straightforward rewards structure – you earn 1.5% cash back on every purchase with no limit. 

This flat-rate cash back is particularly beneficial for online sellers who want a hassle-free way to earn rewards on all their business expenses. Whether you’re selling on Amazon, Etsy, or running your own Shopify store, the simplicity of earning a consistent 1.5% cash back on everything can be a real advantage. 

It’s an excellent fit for those who prefer a no-frills approach to rewards and want to maximize their earnings across the board without worrying about category restrictions.

You might also like: What are the Best Unsecured Business Credit Cards for Startups? 

5. The Amex Blue Business® Plus Credit Card

Best eCommerce credit card for small  business

The Blue Business® Plus Credit Card from American Express is a fantastic choice for online sellers looking for flexibility and rewards. With this card, you enjoy a 0% introductory APR on purchases for the first 12 months, providing a cushion for business expenses. 

After the introductory period, a competitive APR comes into play. 

The standout feature is the Membership Rewards® program, where you earn 2X Membership Rewards® points on the first $50,000 spent annually, and 1X points thereafter. 

This makes it an excellent option for online sellers with moderate to high business expenses, offering a solid return on everyday purchases. Whether you’re an Etsy seller, a Shopify entrepreneur, or use various online platforms, the Blue Business® Plus Credit Card is versatile. 

With this card, you can earn points on a broad spectrum of business expenditures (it’s a valuable addition to any online seller’s toolkit).

You might also like: How to Get a Business Credit Card – The Ultimate Guide 

Best Corporate Cards for eCommerce 

Now, a corporate credit card is a strategic choice for larger eCommerce enterprises dealing with more substantial budgets and intricate financial needs. 

If you’re going to go this route, you should opt for a corporate card that integrates seamlessly with eCommerce platforms, which facilitates efficient transactions. 

Look for advanced features like: 

  • Real-time expense tracking
  • Customizable spending limits
  • Integration capabilities with your eCommerce tools

Overall, a good corporate credit card for eCommerce should empower your business with tools for precise financial control, ensuring smooth transactions, and streamlining overall financial management.

Okay, time to level up your game…Let’s look at the top eCommerce corporate cards.

Recommended: Bank of America Corporate Cards: A Complete, Uncut Review 

1. Stripe Corporate Card

Advantages and disadvantages of credit card in eCommerce

The Stripe Corporate Card is tailor-made for businesses, particularly those engaged in online transactions using the Stripe platform. With this card, online sellers benefit from a streamlined payment experience, as it’s directly integrated with the Stripe payment system. 

The Stripe Corporate Card doesn’t charge annual fees, and it offers a straightforward cash back system — You earn 2% cash back on your top two spending categories each month, providing flexibility for different business needs. 

This card is especially appealing to sellers using Stripe for payment processing, such as those with eCommerce stores, subscription services, or online marketplaces. The seamless integration with Stripe simplifies financial management, making it a practical choice for businesses heavily reliant on this payment gateway. 

Whether you’re selling on Shopify, WooCommerce, or managing a subscription-based business, the Stripe Corporate Card can enhance your financial efficiency and provide rewards tailored to your spending habits.

Recommended: Have You Heard About the Free Stripe Corporate Card Cashback Benefits? 

2. Brex Corporate Card

Best credit card for Etsy sellers

The Brex Corporate Card is a standout choice for modern businesses, particularly those with a tech-savvy and entrepreneurial spirit. One of its most notable features is that it doesn’t require a personal guarantee, making it an attractive option for startups and online sellers with fluctuating income. 

With Brex, you get a 60-day interest-free period, allowing some breathing room for cash flow management. 

The rewards program is geared towards business expenses, offering: 

  • 8x points on rideshare
  • 5x points on travel booked through Brex
  • 4x points on Brex Travel
  • 3x points on restaurants
  • 1x points on everything else

This makes it an appealing option for online sellers who frequently travel, use rideshare services, or entertain clients. The tech-friendly nature of the card and its rewards structure align well with the needs of online businesses, particularly those utilizing platforms like Shopify. 

In all, it caters to a range of expenses often associated with eCommerce and modern business operations.

Recommended: Brex Card Review: Is This Corporate Card Offer Too Good to be True? 

3. Divvy Corporate Card

best credit card for Alibaba purchases

The Divvy Corporate Card is a game-changer for businesses looking to streamline expense management. This card offers a unique approach, with no annual fees and a 0% APR. 

Divvy’s standout feature is its real-time expense tracking and budgeting tools, allowing businesses to stay on top of spending effortlessly – Users can allocate budgets to different teams or projects, making it a great fit for online sellers with diverse expenditure areas. 

While it doesn’t offer traditional rewards points, the value lies in its smart financial tools, providing a comprehensive overview of expenses.

 This card is particularly attractive to online sellers who value transparency and want to efficiently manage their budgets across various categories. Whether you’re selling on Amazon, Etsy, or running a business on Shopify, the Divvy Corporate Card can be a practical choice for those who prioritize real-time expense tracking and want to optimize their budget allocation.

Recommended: In-Depth Divvy (BILL) Credit Card Review: Read This Before You Apply 

4. Shopify Credit

Shopify business credit card

While it’s called Shopify “Credit,” this offer is actually more akin to a corporate card. Shopify Credit is a straightforward and accessible financing option tailored for businesses operating on the Shopify platform. 

With no interest or fixed payments, it’s an attractive choice for online sellers looking for flexibility. Shopify Credit is automatically available to eligible businesses, and the credit limit is based on the merchant’s sales history and account health. 

This makes it a convenient option for Shopify sellers who may need extra capital to invest in inventory, marketing, or other business needs. The absence of traditional interest charges and fixed payments allows sellers to align repayments with their sales cycles. 

Whether you’re a small boutique or a growing eCommerce enterprise, Shopify Credit provides a hassle-free way to access funds and invest in the growth of your online business.

You might also like: Shopify Capital Review: What are the Benefits & is it Worth it?  

Frequently Asked Questions

Which credit card is best for eCommerce?

It depends on your style. Amazon Business Prime Amex or Chase Ink Preferred offer perks for online sellers. If you prefer simplicity, Chase Ink Unlimited gives a solid 1.5% cash back on everything. Stripe or Shopify corporate cards are great if you’re deep into those platforms.

Which credit card do most millionaires use?

Millionaires dig premium perks. Think Amex Platinum or Chase Sapphire Reserve for travel benefits and VIP treatment.

What is the role of credit cards in eCommerce?

Credit cards make online shopping smooth and secure for customers. For businesses, they’re the go-to for flexible spending, earning rewards, and managing cash flow. Stripe and Shopify corporate cards add extra perks for online sellers.

How do I use credit cards for eCommerce? 

Pick a card that fits your vibe. Use it for online buys, ads, shipping – the works. Track spending, set budgets, and if you’re on Stripe or Shopify, their corporate cards make life easier. Just keep it responsible to avoid any money headaches.

Final Swipe: Master Your Business Finances

In the dynamic world of eCommerce, where every click counts, having the right financial tools can be a game-changer. At this point, you should have an understanding of the intricate landscape of business and corporate credit cards.

Whether you’re diving into the flexibility of business credit cards tailored for eCommerce like Amazon Business Prime Amex or Chase Ink Business Preferred, or taking on the advanced features of corporate cards like Stripe or Brex, you’re now armed with the knowledge to make informed decisions.

Remember, it’s not about the flashiest card; it’s about the one that aligns with your business rhythm. So, choose wisely, swipe confidently, and let the perks roll in. Your financial adventure awaits!

If you’re interested in learning how to obtain up to $100K in business credit in as few as 30 days, join Business Credit Workshop today!

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