If you frequently shop at Amazon for your small business or side hustle, then you'll want to find the best business credit card for all those purchases.
Regardless of what business expenses you have and the type of credit card rewards you prefer, there's a business card for you. You can earn cash back or travel rewards — and there are cards with no annual fee or 0% APR offers if you're looking to invest in growing your business.
Below, CNBC Select details the best credit cards for your Amazon business purchases, so you can make the best decision for your business or side hustle.
Best business cards for Amazon
- Best for cash back: Prime Business Card
- Best for non-Prime members: Amazon Business Card
- Best for travel rewards: The Blue Business® Plus Credit Card from American Express
- Best for intro 0% APR: Signify Business Cash℠ Card by Wells Fargo
- Best for no annual fee: Ink Business Unlimited® Credit Card (see rates and fees)
Best for cash back
Who's this for? The Prime Business Card is the most rewarding credit card for Amazon business purchases. You need an eligible Amazon Prime membership to get the Prime Business Card, but you'll earn 5% cash back on U.S. purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com and Whole Foods Market on the first $150,000 in purchases each calendar year (then 1%).
If your business spends heavily at Amazon, the Prime Business Card is an exceptionally rewarding card.
- You can choose bonus rewards or special financing on eligible Amazon purchases
- Earn bonus cash back on common expenses like restaurants and gas stations
- Requires an Amazon Prime membership
- You can only redeem points for eligible Amazon.com and Amazon Business purchases
Rewards
- 5% back at Amazon.com or Amazon Business, plus an additional 1% back on eligible purchases when you choose Amazon Day Delivery, bringing the total rewards to 6% back
- 5% cash back at Amazon.com, Amazon Business, AWS, and Whole Foods Market on up to $150,000 in Net purchases per calendar year, thereafter earn 1%
- 2% back automatically on your top 3 categories outside of Amazon (on up to $150,000 in Net Purchases per calendar year), thereafter earn 1%
- 1% back on all other purchases.
Best for non-Prime members
Who's this for? If you don't have a Prime or Business Prime membership, you can get the Amazon Business Card. Non-Prime cardholders have the option to earn slightly lower rates compared to the Amazon Business Prime: 3% cash back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on the first $150,000 in purchases each calendar year, then 1%.
The Amazon Business card is a good option if paying for a Prime membership isn't worth it, but you'd like to earn more rewards at Amazon.
- You can choose bonus rewards or special financing on eligible Amazon purchases
- Doesn't require a Prime membership
- No annual fee
- You can only redeem points for eligible Amazon.com and Amazon Business purchases
Rewards
- 3% cash back at Amazon.com, Amazon Business, AWS, and Whole Foods Market on up to $150,000 in Net Purchases per calendar year, thereafter earn 1%
- 2% cash back on your top 3 spending categories outside of Amazon (on up to $150,000 in Net Purchases per calendar year), thereafter earn 1%
- 2% cash back on prepaid travel booked in the U.S. Bank Travel Center using your card
- 1% cash back on all other purchases.
Best for travel rewards
Who's this for? The Blue Business® Plus Credit Card from American Express is a great option for any business owner who prefers to earn travel rewards on their Amazon purchases. This card earns Amex Membership Rewards points, which transfer to a variety of airline and hotel loyalty programs, such as Air Canada, Delta, JetBlue and Marriott. You'll earn 2X Amex points on all purchases up to $50,000 per year, then 1X points per dollar.
The Blue Business® Plus Credit Card from American Express is a great option if you're starting a business because it's affordable, earns flexible travel rewards and offers an intro-APR on purchases for a year.
- Valuable intro-APR offer for purchases for 12 months
- Earns flexible rewards you can transfer to 20+ airline and hotel loyalty programs
- No annual fee
- Bonus rewards for purchases are capped
- Few useful travel insurance benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
- See Rates & Fees
Balance transfer fee
N/A
Foreign transaction fee
2.7% of each transaction after conversion to US dollars.
Best for intro 0% APR
Who's this for? The Signify Business Cash℠ Card by Wells Fargo is a great choice for businesses that may need extra time to pay for their Amazon business orders. It offers an introductory 0% APR for purchases for the first 12 months on purchases, followed by a variable APR of 16.74% to 24.74%. Notably, you can also earn an unlimited 2% cash rewards on purchases for your business — meaning any purchases you make on Amazon.com will qualify for flat-rate cash back.
- High flat-rate rewards
- Intro APR for a year on purchases
- No annual fee
- Airport lounge access has a per-visit fee
- Has a foreign transaction fee
Best for no annual fee
Who's this for? The Ink Business Unlimited is a good choice for business owners who want to earn uncapped rewards without having to worry about an annual fee. With this Chase business credit card, you earn 1.5% cash back on every purchase with no annual limit on the rewards you earn. And similar to the Signify Business Cash Card by Wells Fargo, you can enjoy a low-interest APR offer.
The Ink Business Unlimited® Credit Card is a flat-rate cash-back card with a strong intro-APR offer for purchases.
- Intro APR for purchases
- Valuable welcome bonus
- No annual fee
- You can't transfer rewards to travel partners without pairing it with another Chase card
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
If I have a personal Amazon credit card, can I still apply for a business Amazon credit card?
You can have both a personal and a business Amazon credit card at the same time. In fact, it's a good idea to have a separate business credit card because it makes the bookkeeping for your small business or side hustle much easier.
Having both a personal and a business card can help you earn the maximum rewards on every purchase. Business cards offer bonus rewards on purchases a business typically makes, such as shipping. And consumer cards are more likely to offer additional rewards for everyday expenses, like groceries or dining. By having a consumer and a business card, you can earn bonus rewards on a wider range of purchases.
What card should I get for my Amazon business?
The best card for your Amazon business depends on where your business spends the most and what type of rewards you want to earn.
Amazon sellers are likely to spend a lot on inventory, advertising and shipping, so choosing a business card that rewards you for those purchases can make sense. If you want to use your credit card rewards to offset the cost of a vacation, then a card that earns flexible travel rewards is ideal. But travel rewards can be more complicated to redeem for the highest value, so anyone who values simplicity above all will be happier with a cash back business card.
What is Amazon FBA?
Fulfillment by Amazon (FBA) is a service Amazon provides where the seller ships their products to Amazon and Amazon takes care of the order processing from there. When a customer places an order, Amazon takes care of the packing, shipping and returns.
Amazon FBA is a good service for anyone who doesn't have the time or desire to ship every single order, but there is a cost you'll want to consider. Amazon charges fees for its FBA service for product storage and services. The fees vary based on the size of the product, how long it's stored and the services Amazon provides (shipping, returns, item disposal, etc.).
How much does Amazon Business Prime cost?
With Amazon Business Prime, you get access to benefits for shipping and shopping, including business-only pricing for many products. You'll also get access to tools for managing your business, like Amazon WorkDocs.
There is a 30-day free trial for Amazon Business Prime on all paid plans, and after that, you'll pay a fee that increases depending on how many users you have on the account:
- Duo (for sole proprietors): Free with Amazon Prime
- Essentials (up to 5 users): $179 per year
- Small (up to 20 users): $499 per year
- Medium (up to 200 users): $1,299 per year
- Enterprise (unlimited users): $10,099 per year
Bottom line
The right business credit card for your Amazon business purchases should be rewarding and offer benefits that align with your business's needs. You'll also want to pay attention to the annual fee and make sure that its benefits are worth the cost. That said, keep in mind that credit card annual fees are considered tax write-offs for your business.
Read more
Our methodology
To determine which business cards offer the best value for Amazon purchases, CNBC Select analyzed over two dozen of the most popular credit cards available to U.S. business owners. We compared each card on a range of features, including annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is to redeem rewards.
Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.
Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here.
For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
We may earn commissions from qualifying purchases made through Amazon links.
