Full Review: Amazon Business American Express Card – How It Became a Core Part of My Business Spending

When I started looking for a new business credit card, I needed something that could handle large purchases, offer solid rewards, and help me manage cash flow.
The Amazon Business American Express Card stood out because it didn’t lock me into one benefit — instead, it gave me the option to choose what’s best for each purchase: 3% back or 60-day extended payment terms.

For my Amazon Business purchases, that flexibility has been a game changer.
Some months I take the cash back to cut costs, and other times I use the 60-day terms to free up working capital.
Knowing I have that choice with no extra hoops to jump through makes managing expenses far easier.

The earnings don’t stop at Amazon — you also get 2% back at U.S. restaurants, U.S. gas stations, and on wireless services from U.S. providers, plus 1% back on everything else.
That means I’m earning on my travel meals, gas for client visits, and even phone bills.

Another big plus? No annual fee.
Many business cards with strong rewards come with a yearly cost, but here, I get valuable benefits without paying extra just to keep the card.

Beyond rewards, the card includes business expense management tools that integrate directly with my Amazon Business account, making it easy to track purchases and categorize expenses for tax season.
The employee cards at no extra cost also mean my team can make purchases while I keep full control over spending.

There are also great protections built in, like purchase protection, extended warranty, and access to Amex Offers for extra savings.
And since it’s from American Express, the customer service is consistently responsive and reliable.

After months of using it, I can say the Amazon Business American Express Card has become my go-to for both large and everyday purchases.
It’s perfect for business owners who want choice, control, and rewards — without the extra cost of an annual fee.