Learn how to apply for the Amazon Business Prime American Express Card

Understanding the Amazon Business Prime American Express Card

The Amazon Business Prime American Express Credit Card offers a variety of benefits for cardholders. Not only can you earn 5% back on purchases made at Whole Foods Market and Amazon, but you also have the option to forgo rewards and take advantage of a 90-day 0% APR on purchases (14.49 percent to 22.49 percent variable APR thereafter).

This flexibility can be particularly useful when you’re facing tight cash flow and want to delay interest payments. In addition to the attractive rewards program, cardholders can also enjoy a $125 Amazon.com gift card upon approval.

Furthermore, the card offers a 2% cash back on select purchases made at American petrol stations, American restaurants, and American wireless phone service providers. Additional perks include baggage and automobile rental insurance, as well as free employee cards.

Eligibility for the Amazon Business Prime American Express Card

In order to apply for the Amazon Business Prime American Express Card, you must have permission from your business to make financial decisions on its behalf. The applicant must be 18 years of age or older and should ideally have an Amazon Prime Membership to maximize card rewards. Additionally, a good credit score, preferably at least 690, is recommended for approval.

Applying for the Amazon Business Prime American Express Card

The application process for the Amazon Business Prime American Express Card is primarily done online through the Amazon website. Since an Amazon Prime Membership is recommended, you will need to log into your Amazon account and provide any necessary information. The approval process may take a few days, but you can check your application status on the Amex website.

Is the Amazon Business Prime American Express Card Worth It?

The 5% bonus categories for Amazon purchases make this card highly beneficial for those who frequently shop with Amazon and its ecosystem. Additionally, the card’s 90-day interest-free grace period can be advantageous if you need to make significant business purchases upfront.

Depending on where you shop, you can choose either the 5% back option or the 90-day interest-free option for purchases at Amazon Business, Amazon Web Services, Amazon.com, Whole Foods Markets, Amazon Go, and Amazon Books. In any case, you’ll still earn higher rewards compared to other cards: 2% back on select non-Amazon shopping categories and 1% back on all other purchases.

The Amazon Business Prime American Express Card also offers a respectable bonus offer of a $125 Amazon Gift Card for eligible Prime Members upon approval. This can help partially offset the cost of a one-year Amazon Business Prime membership. If the perks mentioned above appeal to you and you believe you can maximize the benefits, the Amazon Business Prime American Express Card could be a great choice.

Comparison: Amazon Business Prime American Express Card vs BankAmericard® Credit Card

Both the Amazon Business Prime American Express Card and the BankAmericard® Credit Card have their unique advantages. It’s worth considering which card best suits your financial needs. If you have existing debts and want to pay them off with minimal interest, the BankAmericard® Credit Card is a tailored option. Since Amazon is a popular platform for purchases, using the BankAmericard® Credit Card to clear debts and then applying for the Amazon Card can be a strategic approach. On the other hand, if you don’t have any debt or find your current interest rates acceptable, the BankAmericard® Credit Card may not be necessary.

Benefits of the Amazon Business Prime American Express Card

• No international transaction fees
• Free employee cards with purchase controls
• Choose between 5% back or 90-day terms for qualifying purchases at Amazon and Whole Foods

Benefits of the BankAmericard® Credit Card

• Launch APR for purchases and qualifying balance transfers
• No annual fee
• Zero fines APR

How to Apply for the BankAmericard® Credit Card

If you’re interested in applying for the BankAmericard® Credit Card, you can find more information in our article on how to apply.

Written by

Claire Harrison