Amazon Business Prime Card
American Express
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Full referral termsIs the Amazon Business Prime Card right for you?
The Amazon Business Prime is a no-annual-fee business cash-back card from American Express. Its strongest everyday earning is 3% on Amazon.com and Whole Foods, with 1% on most other purchases. With no fee, the question is simply whether 3% on Amazon.com and 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.com and Whole Foods, where it earns 3%
- ✓ Anyone who wants Amazon.com and Whole Foods rewards without paying an annual fee
Who should skip it
- — Applicants without a business or business income
- — Heavy spenders outside Amazon.com and Whole Foods — everything else earns 1%
First-year value estimate
Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Amazon.com and 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
Frequently asked questions
- Does the Amazon Business Prime have an annual fee?
- No. Our record lists a $0 annual fee for the Amazon Business Prime.
- What does the Amazon Business Prime earn?
- 3% on Amazon.com and Whole Foods, and 1% on other purchases.
- Is the Amazon Business Prime worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Amazon.com and 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 Prime?
- Our record lists "Good" credit as the typical target for the Amazon Business Prime. As a business card, the application also asks about the business. American Express makes the final decision based on its own criteria.
Earning Rates
Insurance
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Last Updated: Oct 3, 2026