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Amazon Business American Express Card

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Highlights
Purchase APR  (Variable APR) 14.24% - 22.24%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) N/A
Annual Fee $0
Credit Score Range 650 - 850

Amazon Business American Express Card Review

This is a cashback card issued by American Express National Bank. If you're wondering whether Amazon business American Express card is the right card for you, read on.

Key Takeaways

  • Business credit card with generous reward rate. You can get a maximum cashback rewards rate of up to 3x.
  • Competitive APRs. Amazon Business American Express Card has a variable purchase APR that ranges from 14.24% up to 22.24%.
  • No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Amazon business American Express card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers Auto Rental Collision Damage Waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Amazon Business American Express Card is accepted.
  • Amazon Business American Express Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 14.24% up to 22.24%.

It also has a variable cash advance APR of 24.99%. Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

This business card does not offer an introductory rate on new purchases.

Amazon business American Express card Rates & Terms
Purchase APR 14.24% - 22.24%
Cash Advance APR 24.99%
Penalty APR 29.24%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $39.
  • There is no overlimit fee

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Amazon business American Express card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $39
Late Payment Fee up to $39

Does it offer a cash back or rewards program?

Yes, Amazon business American Express card offers a rewards program to its customers. The rewards program allows you to earn 1% cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Amazon.com
  • Internet, Cable and Phone Services
  • Every Purchase
  • Gas stations
  • Groceries
  • Restaurants

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 528-4800.

What is the support contact email?

The support contact email for this business credit card is info@americanexpress.com.

Does Amazon Business American Express Card report your account activity to credit bureaus?

Yes, Amazon Business American Express Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the American Express National Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Amazon business American Express card

Earn 1.5X Membership Rewards® points per dollar, on each eligible purchase of $5,000 or more with the Business Platinum Card. You can get up to 1 million additional points per calendar year. Terms Apply.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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View all business credit cards offered by American Express National Bank

Other Business Credit Cards by American Express National Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $5
Foreign Currency Transaction Fee 0%
Late Fee Amount Up to $39
Minimum Cash Advance Fee ($) $5
No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $0
Returned Payment Fee $39
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards Get a $100 Amazon.com Gift Card upon approval for the Amazon Business American Express Card.
No Blackout Dates
Rewards Rates
  • Amazon Purchases
  • Internet / Cable / Phone Services
  • Gas
  • Groceries
  • Restaurants
  • Every Purchase
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) 24.99%
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 14.24% - 22.24%
(Verified 08/04/2023)
Card Network American Express
Card Type
  • Rewards
  • Cashback

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