Best Amazon Business Credit Cards for 2023 – Apply Now!

by | Sep 18, 2023 | business credit cards

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Amazon Business credit cards

A credit card is an essential requirement for many business owners, as there are significant expenses to be covered from month to month. If a big chunk of those expenditures goes to Amazon purchases, it’s only logical to think of getting an Amazon Business credit cards. Your Merchant Services Rep is a trusted company that has worked for many years in this field, it assists you in getting an Amazon business credit cards and guides you to choose the best business credit card for you.

Here is a summary of four Amazon Business credit cards –

  1. Amazon Business Prime American Express Card
  2. Amazon Business American Express Card
  3. Amazon Prime Rewards Visa Signature Card
  4. Amazon Rewards Visa Signature

1. Amazon Business Prime American Express Card

Eligibility Needed-

For this Amazon Business credit cards, you must have a personal Amazon Prime membership or Business Prime membership. The personal Prime membership comes with a cost of $139 per year or $14.99 per month, so you can choose according to your budget or requirements. On the other hand, the Business Prime membership starts at $69 per year for one user and ranges up to $10,099 per year for around 100 users.

Annual Percentage Rate-

The Annual Percentage Rate for this Amazon Business Prime card is very high, as it varies from 17.99% to 25.99%. The actual percentage you’ll be charged depends on your creditworthiness and other factors. The higher the credit score of your card, the lower the Annual Percentage Rate.

Card Fees-

While several fees come with this card, you will be able to avoid annual membership prices, foreign transaction fee charges, and overlimit fee charges. However, for delays in payments, you’ll be charged up to $39. The cash advance fee is either $5 or 3% of the advance amount, whichever total amount ends up being higher. Finally, the repaid payment fee is $39.

Rewards on Card-

The stunning welcome offer that the Amazon Business Prime American Express Credit Cards features is a $125 Amazon Gift Card. This gift card is valid for Amazon purchases, but not for buying another gift card.

Benefits-

Apart from the great rewards and an attractive welcome bonus, this card comes with many other amazing benefits, as evidenced by a range of positive Amazon Business Prime American Express card reviews. There are notable perks for routine tourists, as you get car rental loss and damage insurance and also a luggage insurance plan.

2. Amazon Business Prime American Express Card

Eligibility Requirements-

To get this American Express Amazon Business credit cards, the applicants must be at least 18 years old. Additionally, they must be authorized by their company to make business decisions on its behalf. The credit score needed for this Amazon credit card is advised to have at least a score of 700.

Annual Percentage Rate-

The Annual Percentage Rate for this card is as high as the one that applies to the already mentioned Amazon card, varying from 17.99% to 25.99%. 

Fees Structure

Like the previous card, fees that apply to this Amazon credit card for business have a cash advance, late payment, and returned payment fees. The cash advance fee is $5 or 3%. The late payment fee is around $39, while the returned payment fee is equivalent to $39.

Rewards on Card-

The rewards you get with this card are a little less generous as compared to the Amazon Business Prime American Express Card. Users get an Amazon gift card for $100 as part of its welcome offer.

Benefits-

This card gets its users a series of benefits, such as purchase security. Extending to covered purchases, this feature offers a refund of up to $50,000 a year per cardholder, in case the things get damaged or stolen. There is also travel-related insurance, which contains car rental loss, damage insurance, etc.

3. Amazon Prime Rewards Visa Signature Card

Eligibility Requirements

The requirement that a person must fulfill to obtain this card is to be a Prime member. However, there are several perks for those who sign up for the membership, including 5% and 10% back on certain purchases. With this Amazon Business Prime card, the credit score you’ll need to get approved is at least 670.

Annual Percentage Rate-

The Annual Percentage Rate for this card is between 17.99% and 25.99%. The best thing about this card is that you can enjoy the 0% intro APR for 6 to 18 months on purchases over $50. However, if you opt for this interest-free period, you don’t get the benefit of 5% and 10% back on valid purchases.

Card Fees 

In this card, there are no annual or foreign transaction fees. However, you’ll have to pay other fees, from the balance transfer fee payment and cash advance fees to the late payment fee payment and returned items fee. The balance transfer fee payment is either $5 or 5%. The cash advance cost can be $10 or 5%. 

Rewards

What’s different about this card is that there’s a chance to get as much as 10% back, which makes it one of the best credit cards for Amazon. 

Extra Benefits-

It is a good card for those who frequently go on business trips, as it comes with travel and emergency service, as well as travel accident insurance. There is also the purchase security that you get with other Amazon cards, too.

4. Amazon Rewards Visa Signature

Eligibility –

The Amazon Rewards Visa Signature lets you reap at least some of the advantages of the Amazon Prime Rewards Visa Signature Card without buying a paid membership. When it comes to credit score requirements, Amazon Business credit cards approval odds are the same as with the earlier candidates.

Annual Percentage Rate-

The Annual Percentage Rate is as high, between 17.99% and 25.99%. There’s an intro Annual Percentage Rate of 0% for the first six to 18 months.

Fees

Some of the fees for this card are higher than for other cards, especially in terms of cash advances and balance transfers. The cash advance cost is either $10 or 5%, depending on which amount is higher. The balance transfer cost works the same way and is either $5 or 5%. Return payment and cash advance will cost around $39. But the best thing is there are no annual membership expenses, foreign transaction costs, or return check costs.

Check Rewards-

The Amazon Rewards Visa Signature Card rewards come with a welcome bonus, points, and intro APR. As part of its welcome offer, anyone who gets approved for the card is awarded a $60 Amazon Gift Card, which is less compared to other Amazon Business credit cards.

Benefits

While this card’s rewards vary from the ones you get with the Amazon Prime Rewards Visa Signature Card, other benefits are the same. It offers travel and emergency services, misplaced luggage refunds, baggage delay insurance, and travel accident insurance, as well as purchase security.

Conclusion-

In this blog, you get the complete information about Amazon business credit cards. It offers four types of Amazon business credit cards, you can choose the card that is suitable for you or fulfill your needs. Every card has its own benefits and Fee charges, so wisely choose your credit card. If you have queries related to Amazon business credit cards and its services, visit our website Your Merchant Services Rep now.

FAQ-

How can I register for Amazon without a business credit card?

  • Yes, you don’t need any card, if you have an Amazon account.
  • You can add a Debit or Credit card when you want to purchase something.
  • Apart from that, the Cash on Delivery option is also available but first-time users must enter accurate billing details before any order.

Does Amazon have a credit card for businesses? 

Yes, it offers different Amazon credit cards.

Here is a list of four Amazon Business credit cards –

  1. Amazon Business Prime American Express Card
  2. Amazon Business American Express Card
  3. Amazon Prime Rewards Visa Signature Card
  4. Amazon Rewards Visa Signature

Is Amazon business credit card easy to get?

To get an Amazon business credit cards, you must have to fulfill the eligibility criteria and require a score in at least the good range to qualify for the card.