Full Review: Amazon Business Prime American Express Card – The Ultimate Tool for Amazon-Centric Businesses

When I first heard about the Amazon Business Prime American Express Card, I assumed it was just another store card with limited perks.
But after using it for my business, I quickly realized it’s a powerful financial tool — especially for companies like mine that rely on Amazon and AWS for a large part of our operations.

The biggest draw for me was the ability to choose between 5% back or 90-day payment terms on eligible U.S. Amazon.com, Amazon Business, AWS, and Whole Foods Market purchases.
I don’t have to lock into one option — at checkout, I decide whether to boost rewards or preserve cash flow depending on what my business needs that month.

For example, during months when expenses are high, I choose the 90-day terms to give myself more breathing room.
Other times, I go for the 5% back, which can add up to significant savings over the year — especially when you’re buying inventory or covering large operational costs.

The rewards don’t stop there.
I also earn 2% back at restaurants, gas stations, and on wireless telephone services purchased directly from providers. That covers a lot of my travel, client meetings, and communication costs.
All other purchases earn 1% back, without category limits or expiration dates.

One feature that’s been a game-changer is the card’s integration with Amazon Business tools.
I can see every transaction in real time, categorize expenses automatically, and set spending limits for each employee card — all at no extra cost.
The ability to download detailed reports also makes tax season far less stressful.

As an American Express cardholder, I also get strong protections: purchase protection, extended warranty coverage, travel accident insurance, and baggage insurance.
On one occasion, purchase protection saved me hundreds when a supplier delivered defective goods — American Express handled the reimbursement quickly and without hassle.

Another perk I value is no foreign transaction fees.
I’ve used this card for international suppliers and overseas travel without paying extra, which makes it a great option for globally-minded businesses.

The best part? There’s no annual fee for the card itself — all you need is an eligible Prime membership.
Since I already had Prime for business, there was no added cost, making this card an easy decision.

After months of using the Amazon Business Prime American Express Card, I can confidently say it has streamlined my spending, improved my cash flow, and put more rewards back into my business.
If you’re heavily invested in the Amazon ecosystem, this card is one of the smartest financial moves you can make.