Key facts
Min. Credit Score for Approval:
Good *Ongoing APR:
18.49%-26.49% VariableForeign Transaction Fee:
0%Reward multipliers
MUST HAVE AN ELIGIBLE AMAZON PRIME MEMBERSHIP TO EARN THE 5% ON AMAZON / WHOLE FOODS AS DESCRIBED BELOW.
Earn 5% in Amazon credits on your first $120,000 in purchases each calendar year on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. Or, get 90-day terms for those purchases instead of the 5% back.
You’ll also earn 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers.
Earn 1% back on everything else.
Earns bonus points for spend in the following bonus categories:
Estimated Rewards Value: 2%
Estimated Rewards Value: 2%
Estimated Rewards Value: 2%
Estimated Rewards Value: 1%
Earned rewards can be redeemed for Amazon purchases or used as statement credits.
Key features
Unique Card Benefits
Take advantage of 5% Back or 90-Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership.
You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.
Earn more rewards by combining credit cards
Pros & cons
- Earn 5% in Amazon credits on your first $120,000 in purchases each calendar year on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership.
- Does not earn transferable points
Our 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.
