Small business food service professional garnishing a salad

Here are the reasons why food and hospitality owners use the Amazon Business Prime American Express Card

Learn why the Amazon Business Prime American Express Card makes sense for your business

As a business owner in the food and hospitality industry, whether you're running a restaurant, a hotel or a catering business, you’re faced with new challenges every day, and many of them are likely related to the cash flow and the financial side of your business. In uncertain and ever-changing market conditions, maintaining steady revenues is often a concern, and as costs for things such as raw ingredients continue to rise, profits can see a major impact.


In addition, keeping up with the market trends can impact cash flow management. When dealing with industry competitors or hoping to modernize and refurbish your storefront, there are a lot of details to consider. For small business owners, deciding on a business credit card can come at the end of a long list of business challenges. With so many cards to choose from, what makes the Amazon Business Prime American Express Card the ideal choice for your food and hospitality business?

  • No annual fee icon

    No annual fee¤

  • Food service supplies icon

    Earn 5% Back

    on food service supplies and on all other eligible U.S. purchases with eligible Prime membership at Amazon Business, AWS, and Whole Foods Market on the first $120,000 in purchases each calendar year, 1% Back thereafter.‡

  • Restaurant icon

    Earn 2% Back

    at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchases directly from U.S. service providers.‡

  • Shopping cart icon

    Earn 1% Back

    on other purchases.‡

#1: There’s no annual fee¤

Cash flow can be tight when it comes to the day-to-day expenses of a business so it’s key to save where you can. The Amazon Business Prime American Express Card requires no annual fee¤.


¤Rates and Fees


#2: You can earn rewards both on and off Amazon

With the Amazon Business Prime American Express Card, there are plenty of ways to earn % Back. You’ll earn % Back with each dollar you spend, like filling up at the gas station, or purchasing kitchen supplies and hospitality essentials for your business.


Card Members earn 2% Back on purchases at U.S. restaurants, U.S. gas stations and on wireless telephone services that are purchased directly from U.S. service providers and 1% Back on other purchases. You can redeem your Amazon Rewards points at checkout on Amazon or apply them to your American Express statement.

Jim V. Card Member and Owner of Hockinson Market

“I’m saving the rewards I’m receiving because someday I may buy something large, and  that's going to be a lot less expensive because of these rewards stored up.” 

— Jim V., Card Member and Owner of Hockinson Market (a pizzeria and taproom)

Real Card Member was compensated for this testimonial.


Explore how to shop for your food and hospitality business with points


#3: Decide between earning rewards or taking more time to pay with no interest…it’s up to you

Free up cash flow with extended payment terms and make running your food or hospitality business easy with the Amazon Business Prime American Express Card. It gives you flexibility with all eligible purchases. Would you rather earn % Back or use the extended payment term option? Every business has different needs and that’s why you can choose from one of these options before checkout.


Card Members can earn rewards or choose flexible payment terms like 5% Back or 90 Day Terms on U.S. purchases at Amazon Business, AWS,, and Whole Foods Market with an eligible Prime membership.‡ Get 3% Back or 60 Day Payment Terms on U.S. purchases at Amazon Business without an eligible Prime membership.**


**Earn 5% or 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.


See what Card Members in the food & hospitality business are saying about the above benefits:


“I get 5% Back on Amazon business spending and 2% Back on gas and restaurants, and there's no annual fee.‡¤

I love that American Express and Amazon has created this Card because it allows a higher rewards rate for our business-related Amazon purchases, which in turn as a leader of this team, allows me to use those rewards to then, reward my employees for all the hard work that they do.”

— Miguel R., Card Member, CEO and co-founder of Virtual Table

Real Card Member was compensated for this testimonial.

#4: Benefits for your business

The Amazon Business Prime American Express Card helps make running your business easy, too, with features that can help bring added peace of mind. Some of our favorites?

  • Purchase Protection♦: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection♦ can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
  • Cards for your employees: Simplify the purchasing process when you provide Cards to the employees. Add up to 99 Employee Cards and earn rewards on employee purchases in the same way your own Card does.  Your Card offers an Employee Card option with no annual fee.
  • Year-end summary: How did the year go for your business? Track business expenses and plan to make the following year better. The Card also offers enhanced data views, which can help you track employee spending and buying trends. You can even download line-item details on Amazon Business transactions at‡


Customers wants and needs are changing. Is your food & hospitality business keeping up?

In the post-COVID era, customers are dealing with the same financial precariousness as business owners. This could impact customers’ spending habit and with this change, your business could be impacted and so it’s key to a choose a card that has your best interests in mind.


With so much flexibility, the Amazon Business Prime American Express Card can support those in the food and hospitality business.


See a full list of eligible Prime memberships


Benefit Terms


♦Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498. 

Learn more about the Card for your food & hospitality business

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