Amazon Business Prime American Express Card vs Amazon Prime Visa

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Extended Warranty

Purchase Protection

Trip Protections

Secondary Car Rental CDW Waiver

No Foreign Transaction Fees

Amazon Business Prime American Express Card

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

18.74%-26.74% (Variable)

Balance transfers fees

Best Multiplier

5x Amazon / Whole Foods

2x Gas Stations

2x Cellular Phone Service

2x Dining Out / Food Delivery

1x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Receive a $125 Amazon Gift Card when approved for this card with an eligible Amazon Prime membership.

Rating

(3.88) Our Review

Review

An obvious powerhouse for those with a lot of spend at Amazon and Whole Foods with 5% cash back if you hold an Amazon Prime membership.

Many spend tens of thousands a month with AWS web services and 5% cash back on that can be huge, especially when you consider that cash back earned on a credit card is considered a rebate on spend and is not taxable as income.

While we are generally partial to cards that earn transferrable bank points, heavy Amazon spenders will do well with the 5% offered here.

Rates and Fees for the Amazon Business Prime American Express Card. Terms Apply.

Unique Card Benefits

Extended Warranty

Purchase Protection

Trip Protections

Secondary Car Rental CDW Waiver

No Foreign Transaction Fees

Amazon Prime Visa

Annual Fee

Avg. Min. Credit Score

670-850

Ongoing APR

19.49%-27.49% (Variable)

Balance transfers fees

Either $5 or 4% of the amount of each transfer, whichever is greater.

Best Multiplier

5x Amazon / Whole Foods

5x Airfare

5x Hotels

5x Car Rentals

2x Gas Stations

2x Dining Out / Food Delivery

2x Transit

1x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

LIMITED TIME OFFER: Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members

Rating

(4.13) Our Review

Review

As much as we love rewards credit cards with transferable bank points, for heavy Amazon or Whole Foods shoppers, it’s hard to deny that 5% cash back on all of these purchases with the Prime Visa (as long as you have an eligible Amazon Prime membership!) is pretty awesome.

I know some people that do absolutely all of their grocery shopping at Whole Foods and as much shopping as possible at Amazon. If this is you, the Prime Visa credit card is probably a no brainer, especially with no annual fee, no foreign transaction fees, and a wide range of consumer protections like extended warranty, purchase protection (which covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account) and trip protections, although note that the trip protections aren’t nearly as rich as on many travel specific credit cards.

As a reminder, you’ll earn an unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership and an unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).

You’ll earn ah unlimited 1% back on all other purchases, so you may want to combo this card with a card that earns 2% back on categories not bonused on this card.

Unique Card Benefits

yes

Extended Warranty

yes

Purchase Protection

yes

Trip Protections

yes

Secondary Car Rental CDW Waiver

yes

No Foreign Transaction Fees

yes