Does the Amazon Business American Express have an annual fee?

No. Our record lists a $0 annual fee for the Amazon Business American Express.

What does the Amazon Business American Express earn?

3% on Amazon Business, AWS, Amazon.com, Whole Foods, 3% on Restaurants, Gas Stations, Office Supply Stores, and 1% on other purchases.

Is the Amazon Business American Express worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Amazon Business, AWS, Amazon.com, Whole Foods), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.

What credit do I need for the Amazon Business American Express?

Our record lists "Good" credit as the typical target for the Amazon Business American Express. As a business card, the application also asks about the business. American Express makes the final decision based on its own criteria.

Amazon Business American Express Card

American Express

No Annual Fee

Annual Fee

amexGoodbusinessno-annual-fee16 days ago

Welcome Offer

(≈ $100)0

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The link opens on the Platinum Card first. Use the Amex page to view currently eligible personal and business cards. Not every Amex product is necessarily included, and offers and eligibility may vary. The referrer may receive a reward if you are approved; this does not influence OpenCard's evaluation.

Full referral terms

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OpenCard analysis

Is the Amazon Business American Express Card right for you?

The Amazon Business American Express is a no-annual-fee business cash-back card from American Express. Its strongest everyday earning is 3% on Amazon Business, AWS, Amazon.com, Whole Foods, with 1% on most other purchases. With no fee, the question is simply whether 3% on Amazon Business, AWS, Amazon.com, Whole Foods beats what your current card earns there.

Who it's for

✓ Business owners who want business spending on its own card
✓ People who spend steadily on Amazon Business, AWS, Amazon.com, Whole Foods, where it earns 3%
✓ Anyone who wants Amazon Business, AWS, Amazon.com, Whole Foods rewards without paying an annual fee

Who should skip it

— Applicants without a business or business income
— Heavy spenders outside Amazon Business, AWS, Amazon.com, Whole Foods — everything else earns 1%

First-year value estimate

Welcome bonus

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$180

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Amazon Business, AWS, Amazon.com, Whole Foods (3%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.

How it compares

Bank of America Business Advantage Customized Cash Rewards Mastercard →

Bank of America, same $0 annual fee; earns 3% on Choice Category.

Bank of America Business Advantage Unlimited Cash Rewards Mastercard →

Bank of America, same $0 annual fee; earns 1.5% on everything.

TD Business Solutions →

TD Bank, same $0 annual fee; earns 2% on everything.

Compare side by side →

Frequently asked questions

Does the Amazon Business American Express have an annual fee?: No. Our record lists a $0 annual fee for the Amazon Business American Express.
What does the Amazon Business American Express earn?: 3% on Amazon Business, AWS, Amazon.com, Whole Foods, 3% on Restaurants, Gas Stations, Office Supply Stores, and 1% on other purchases.
Is the Amazon Business American Express worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Amazon Business, AWS, Amazon.com, Whole Foods), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
What credit do I need for the Amazon Business American Express?: Our record lists "Good" credit as the typical target for the Amazon Business American Express. As a business card, the application also asks about the business. American Express makes the final decision based on its own criteria.

Earning Rates

3×Amazon Business, AWS, Amazon.com, Whole Foods3% back on eligible U.S. purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market

3×Restaurants, Gas Stations, Office Supply Stores3% back at U.S. restaurants, U.S. gas stations, and U.S. office supply stores

1×Other1% back on all other eligible purchases

Other Benefits

Insurance

Rental InsuranceSecondary

Purchase Protection

Extended Warranty

Sources

Last Updated: Oct 3, 2026