April 21, 2025: The Amazon Business Prime American Express Card offers generous rewards for small business owners with a Prime membership. And as a new cardmember you can get an Amazon gift card upon approval. Here’s everything you need to know about the best current offer on the Amazon Business Prime Amex.
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Best Amazon Business Prime Welcome Offer: Get an Amazon gift card
Annual fee: annual_fees
(See Rates and Fees)
Best welcome offer: bonus_miles_full
Learn how to apply.
This welcome offer is earned as an Amazon gift card.
My take: Reasonable offer, but great rewards for businesses
The welcome offer on the Amazon Business Prime American Express card isn’t terribly exciting, especially when stacked up against offers that can earn you $500 or more cash back or other easy cash back offers. And you’re likely to earn a larger welcome offer if you wait to apply for the card when Amazon decides to run its Prime Day promotions.
But what is exciting about the card is the fact that you can get 5% back or 90 day terms on U.S. purchases at a bunch of business-relevant Amazon brands. (Amazon Business, AWS, Amazon.com and Whole Foods Market.)
Now, the Chase Amazon Prime Visa doesn’t have a limit on its 5% rewards, but that card doesn’t earn 5% rewards on AWS purchases. And if your business spends a ton on hosting with AWS, you stand to benefit greatly—to the tune of $6,000 cash back if you spend $120,000 on AWS. That’s much more exciting that the welcome offer.
Are you eligible to earn the welcome bonus?
Generally, American Express allows you to earn a bonus only once per “lifetime” per their terms and conditions. Though in practice, Amex seems to forget that you held a card after about 7 years. But with the Amazon Business Prime American Express Card, this appears to be different.
The terms and conditions of the bonus offer don’t mention any restrictions on getting the gift card if you’ve ever had the product before. Plus, it appears that the Amazon gift card you get is awarded by Amazon directly, rather than by American Express.
In my reading of the rules, if you are approved for this card, you are almost certainly eligible to get the gift card as part of the welcome offer.
About the Amazon Business Prime American Express Card
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
(See Rates and Fees)
The Amazon Business American Express Card is available to you if you are a small business owner and you do not have a Prime membership. The rewards are admittedly less generous than the Prime version of the card, but can still be great for small business owners who spend at Amazon and on Amazon business services.
Welcome offer
Best welcome offer: bonus_miles_full
Learn how to apply.
This bonus is earned as an Amazon gift card.
Rewards
- 3% back or 60 day terms on U.S. purchases on Amazon.com with an eligible Prime Membership.
3% rewards are limited to the first $120,000 of purchases of 3% eligible purchases each calendar year. Afterward, you will earn 1%. Purchases financed with 60 day terms do not count toward this cap. 3% eligible Amazon purchases include U.S. purchases at:- Amazon.com
- Amazon Business
- AWS
- Whole Foods Market
- 2% back on U.S. purchases at restaurants.
- 2% back on U.S. purchases at gas stations.
- 2% back on wireless phone services purchased directly from U.S. service providers.
- 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
- Extended warranty.
- Purchase protection.
- Return protection.
Travel insurance benefits
- Baggage insurance plan.
- Car rental loss and damage insurance.
Bottom line: Decent offer on a great card for AWS
If you’re spending on AWS for your business or want the flexibility to pay with 90 day terms on your Amazon purchases, the Amazon Business Prime American Express Card is a great card to get. But if you just want cash back on your Amazon purchases, you might be better off with the personal Chase version of the card.
American Express card disclosures
- For rates and fees of the Amazon Business Prime American Express Card please visit this link: See Rates and Fees
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
