Key facts
Min. Credit Score for Approval:
670-739 * GoodOngoing APR:
19.49%-27.49% 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.
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.
