Does the Amazon Business World Elite Mastercard have an annual fee?

No. Our record lists a $0 annual fee for the Amazon Business World Elite Mastercard.

What does the Amazon Business World Elite Mastercard earn?

3% on Amazon.com, Amazon Business, AWS and Whole Foods Market, 3% on Prepaid travel through U.S. Bank Travel Center, 2% on Top 3 spending categories outside Amazon (automatic), and 1% on other purchases. Some bonus rates are capped; see the rules and gotchas above.

Is the Amazon Business World Elite Mastercard worth it in the first year?

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

Does the Amazon Business World Elite Mastercard charge foreign transaction fees?

No. The Amazon Business World Elite Mastercard is listed without a foreign transaction fee, which makes it usable abroad.

What credit do I need for the Amazon Business World Elite Mastercard?

Our record lists "Good to Excellent" credit as the typical target for the Amazon Business World Elite Mastercard. As a business card, the application also asks about the business. U.S. Bank makes the final decision based on its own criteria.

Amazon Business World Elite Mastercard®

U.S. Bank

No Annual Fee

Annual Fee

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Welcome Offer

(≈ $100)0

Check issuer terms ↗

OpenCard analysis

Is the Amazon Business World Elite Mastercard right for you?

The Amazon Business World Elite Mastercard is a no-annual-fee business cash-back card from U.S. Bank. Its strongest everyday earning is 3% on Amazon.com, Amazon Business, AWS and Whole Foods Market, with 1% on most other purchases. With no fee, the question is simply whether 3% on Amazon.com, Amazon Business, AWS and Whole Foods Market 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, Amazon Business, AWS and Whole Foods Market, where it earns 3%
✓ Anyone who wants Amazon.com, Amazon Business, AWS and Whole Foods Market rewards without paying an annual fee

Who should skip it

— Applicants without a business or business income
— Heavy spenders outside Amazon.com, Amazon Business, AWS and Whole Foods Market — 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.com, Amazon Business, AWS and Whole Foods Market (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 2026-10-19.

How it compares

American Express Blue Business Cash →

American Express, same $0 annual fee; earns 2% on everything.

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.

Compare side by side →

Rules and gotchas

Bonus cap on Amazon.com, Amazon Business, AWS and Whole Foods Market: 3% back on the first $150,000 in net purchases at Amazon-covered sites per calendar year (all cardmembers), then 1%.
Bonus cap on Top 3 spending categories outside Amazon (automatic): 2% back on your top 3 eligible categories each billing cycle outside Amazon-owned brands, on the first $150,000 per calendar year, then 1%.

Frequently asked questions

Does the Amazon Business World Elite Mastercard have an annual fee?: No. Our record lists a $0 annual fee for the Amazon Business World Elite Mastercard.
What does the Amazon Business World Elite Mastercard earn?: 3% on Amazon.com, Amazon Business, AWS and Whole Foods Market, 3% on Prepaid travel through U.S. Bank Travel Center, 2% on Top 3 spending categories outside Amazon (automatic), and 1% on other purchases. Some bonus rates are capped; see the rules and gotchas above.
Is the Amazon Business World Elite Mastercard worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Amazon.com, Amazon Business, AWS and Whole Foods Market), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
Does the Amazon Business World Elite Mastercard charge foreign transaction fees?: No. The Amazon Business World Elite Mastercard is listed without a foreign transaction fee, which makes it usable abroad.
What credit do I need for the Amazon Business World Elite Mastercard?: Our record lists "Good to Excellent" credit as the typical target for the Amazon Business World Elite Mastercard. As a business card, the application also asks about the business. U.S. Bank makes the final decision based on its own criteria.

Earning Rates

3×Amazon.com, Amazon Business, AWS and Whole Foods Market3% back on the first $150,000 in net purchases at Amazon-covered sites per calendar year (all cardmembers), then 1%.

3×Prepaid travel through U.S. Bank Travel Center3% back on prepaid travel booked in the U.S. Bank Travel Center.

2×Top 3 spending categories outside Amazon (automatic)2% back on your top 3 eligible categories each billing cycle outside Amazon-owned brands, on the first $150,000 per calendar year, then 1%.

1×All other eligible purchases1% back on all other eligible purchases.

Insurance

Sources

Last Updated: Oct 19, 2026