Amazon Business Prime American Express Card


Card Details and Application Link
Amazon Business Prime American Express Card

FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards.

Card Type: Amex Credit Card


Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS,, Whole Foods on up to $120K in purchases per calendar year, then 1% ⚬ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services ⚬ 1% back on all other purchases


5% back in Amazon rewards for Prime members at Amazon and Whole Foods is interesting considering that Amazon and Whole Foods sell such a wide variety of items.

Note the following terms:

Eligible purchases are purchases of products and services, minus returns and other credits. Buying products and services with your Card, in most cases, will count as an eligible purchase; however, the following types of transactions won't be eligible for the rewards option and won't earn % Back rewards: fees or interest charges payable to American Express, cash advances, purchases of travelers checks, and purchases of other cash-like transactions not made at designated Amazon properties, such as purchases or reloading of prepaid cards, and person-to-person payments. Additional terms and restrictions apply.
You may notice that purchases of prepaid cards are explicitly excluded. It will be interesting to see whether Amex enforces that rule with gift card purchases.


This card's rewards depend on whether or not you're an Amazon Prime member and whether you prefer Amazon Rewards back or additional time to pay.

Non Prime Members

Choose either:
  • 3% back in Amazon rewards for Amazon, AWS, and Whole Foods, or...
  • 60 day terms

Prime Members

Choose either:
  • 5% back in Amazon Rewards for Amazon, AWS, and Whole Foods, or...
  • 90 day terms

Application Tips

Amex Application Tips

  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day

Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

Keep or Cancel?

Since this card has no annual fee, the only reason I can think of to cancel it is if you need to free up a slot to add another Amex credit card to your portfolio.

Related Cards (Amex cash back cards)

Card Offer
Blue Cash Preferred® Card from American Express
$150 cash back + up to $200 in statement credits for select purchases
$150 cash back as a statement credit after $3K in the first 6 months + 20% back on purchases at for the first 6 months up to $200 back as statement credits. Terms Apply. (Rates & Fees)

$95 Annual Fee

The Plum Card® from American Express
Up to $600
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)

$250 Annual Fee

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