Small business retail owner holding a blouse on a hangar

Here are the reasons why retail business owners use the Amazon Business Prime American Express Card

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

The world is a much different place now than it was two years ago—for both consumers and business owners. In the Post-COVID era, changing shopping habits and adjusted priorities have led to a landscape that requires quick learning and flexibility.


If you’re a retail business owner, whether you're running a clothing store, a beauty salon, a photography studio or a jewelry store, you may be experiencing many of the industry’s new trends first-hand for example using your central retail location as a shipping hub for customers who prefer to shop online, keeping up with rising material costs.


Maintaining an up-to-date digital presence, and staying on top of consumer wants and needs, are some of the most time-consuming aspects of running a retail business. For small business owners, deciding on a business credit card can come at the end of a long list of business challenges.


But with so many cards to choose from, what makes the Amazon Business Prime American Express Card the ideal choice for your retail store business?

  • No annual fee icon

    No annual fee¤

  • Retail store icon

    Earn 5% Back

    on retail store 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¤

It’s a challenge you face daily in the ever-changing world of retail: cash flow can be tight when it comes running your business, especially when you’re always on the lookout for fresh new items that’ll keep your customers interested, 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.  


Explore how to shop for your retail 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 help make running your retail 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.

#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 even 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‡
Joanna V., Card Member and Owner of Joanna Miriam Photography

“Being able to see my Year-end summary with this Card means that I can keep my purchases in check and make sure that things don’t get out of hand and that I am also giving love to all the parts of my business that need it.”

— Joanna V., Card Member and Owner of Joanna Miriam Photography

Real Card Member was compensated for this testimonial.


The world of retail is changing…do you have a card that can keep up?

With so many benefits and so much flexibility, it’s easy to see why the Amazon Business Prime American Express Card can support those in the retail world. As customer buying habits change and trends evolve away from the more traditional shopping models, there’s a great need for a Card that does what you need, when you need it.

Susan D., Card Member and Owner of Suzie D Jewelry

“Having the American Express Amazon Prime Business Card allows me to run my business with options, run it smoothly, have a complete overview over my financial situation in my business, and have everything on one page. Being self-employed and having to run all aspects of my business, it simply makes my life as a business owner easier.”

— Susan D., Card Member and Owner of Suzie D Jewelry

Real Card Member was compensated for this testimonial.


See a full list of eligible Prime memberships


Benefit Terms


♦Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, 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 retail business

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