Amazon Business Prime American Express Card

5 reasons small business owners use the Amazon Business Prime American Express Card

Not sure which small business credit card makes sense for you? Learn more about the benefits of the Amazon Business Prime American Express Card for small business owners.

For small business owners, deciding on a business credit card can come at the end of a long list of to-dos. For many, the big benefit of a business credit card is separating personal and business expenses. But what about other perks?

 

A few questions you might ask yourself, Do I get a credit card that lets me earn rewards? Or, are other features more important for my business, like being able to give employees cards with spending limits? And what about getting more time to pay for purchases – interest free? 

 

Here are a few of the ways the Amazon Business Prime American Express Card is built around the needs of small business owners.

 

#1 Decide between earning rewards or taking more time to pay with no interest

Would you rather earn 5% Back when you buy noise-cancelling headphones for everyone in the office? Or, maybe you’d rather have 90 days to pay, interest free. With the Amazon Business Prime American Express Card, you decide what’s best for your business with eligible Amazon purchases.

 

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, Amazon.com, 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.*

 

Tip: Add your Card to your Amazon.com and Amazon Business wallet so you don’t have to remember your Card details at checkout.
 

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


#2 No annual fees

As with personal credit cards, an annual fee might make sense if other card perks outweigh the yearly cost of having the card. For example, maybe the credit card offers higher rewards or lower interest rates.

 

While some cards waive the annual fee for the first year, there’s no annual fee¤ ever with the Amazon Business Prime American Express Card.

 

Tip: Besides no annual fees, there’s no foreign transaction fees‡¤ with the Card, so you can do business on your terms – wherever you are.

 

¤Rates & Fees

#3 Earn rewards on everyday purchases

There are a variety of ways to earn with your Card, whether it’s buying what you need on Amazon or somewhere else for your business. You’ll earn a % Back for each dollar you spend, like filling up at the gas station, filling up on office supplies, and even filling up on goodies from the local bakery to treat your staff.

 

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.‡


Tip: Redeem your Amazon Rewards points at checkout on Amazon or apply them to your American Express statement. Your points don’t expire.‡


#4 Free up cash with extended payment terms

Often small business owners use the extended payment term option when making a large, unexpected purchase, like buying a high-end, all-in-one photocopier or a heavy-duty drill press after the business’s breaks down unexpectedly. Yet extended payment terms can also help organizations make ends meet during a slow business season so that they can free up cash to make essential payments, like paying utilities and making sure employee paychecks arrive on time. With an Amazon Business Prime American Express Card, you can take an extra 90 days to pay interest free on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market.

 

Tip: If you already know which benefit will work best for your business, either 5% Back or Extended Payment Terms, set that as your Card’s default benefit on the Card Member page. That way you won’t have to waste time double-checking whether your preferred benefit has been applied to your purchase.

 

#5 Use Employee Cards to simplify purchasing – and maximize rewards

As the primary Amazon Business Prime American Express Card Member, you can request Cards for your employees.

 

Giving your staff Employee Cards makes it easier to track their purchases – and earn rewards.

 

Tip: 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 americanexpress.com.‡

 

‡Benefit Terms

†See a full list of eligible Prime memberships

Find out more about the Amazon Business Prime Card

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