Are you a business owner balancing expenses with rewards, and working to secure your cash flow? It’s a common struggle! While the Amazon Business credit card can help ease things, is it really the best way to go for you?
It provides benefits such as cashback and seamless integration with your Amazon Business account. But beware: It has some potential downsides. This is a full detailed review of this article. From there, you can determine if this card suits your company’s necessitaies and spending behaviours.
Everything You Need to Know About the Amazon Business Credit Card
The Amazon Business Credit Card: What Is It?
Amazon Business Credit Card Eligibility — For business owners making frequent purchases on Amazon The card is issued by Synchrony Bank or American Express. There are actually two versions of this. One earns rewards points; the other earns cashback. the card typically has no annual fee, which is a perk. It offers a way to earn rewards on purchases, particularly on Amazon purchases.”
Key Features and Benefits
This card has quite a few good perks. Get cashback or rewards points on every purchase. There are often better rewards for spending on Amazon and at certain places like restaurants and gas stations. So, for instance, you might earn 5% back on Amazon purchases, 2% back at restaurants and gas stations and 1% back on all your other spending. This can add up fast!
Suppose you spend $2,000 a month on Amazon. With a 5% cashback card, you’d get $100 back a month. Plus, the card features spending limits and purchase protection.
Eligibility Requirements
Like any other credit card, you’ll have to meet some criteria to be approved. You need to have a good credit score. Issuers will also take your business type and revenue into account.
Your business information is primarily of concern, but there are some personal credit history factors too. You need to develop a history of responsible credit use, which you’re unlikely to have at this stage. Get your personal credit in order before applying.
Weighing the Pros and Cons
Benefits of the Amazon Business Credit Card
Perhaps the biggest benefit is its remarkable integration with your Amazon Business account. This simplifies buying and tracking outgoings. There’s also the potential for great rewards on Amazon purchases.
Let’s pretend you run a small marketing agency. You spend $500/month on office supplies and software subscriptions via Amazon Business. With the card’s rewards, you could be saving hundreds of dollars per year!
Pros and Cons of the Amazon Business Credit Card
The advantages aside, there are pitfalls. Rewards outside of Amazon are capped. The card can have a high APR (annual percentage rate), particularly if you carry a balance. And it could also lure you into overspending if you’re not careful.
The APR on this card may be higher than that of other business credit cards. Those interest charges can erase the rewards you’re accumulating if you don’t pay off your balance each month.
Get Most Out of Your Rewards and Account Management
How to Get More Rewards
Want to boost your rewards? Use the card strategically. Put all your Amazon purchases on it. Also, use it for purchases in bonus-earning categories, like gas and dining.
Here’s a quick guide:
- Purchase Category Reward Rate (Example)
- Amazon Purchases 5% Cash back
- Restaurants & Gas 2% Cash back
- All Other Purchases 1% Cash back
2025.10.26_Managing Your Account Effectively
It involves smart account management. Track your spending closely. Pay your bills when they are due to avoid late fees and high interest charges.
Set up automatic payments. So you never miss that due date. Its also going to protect your credit score!
Redeeming Your Rewards
There are many ways to redeem your rewards. The options include Amazon purchases and statement credits.
Choose based on what works for you. A statement credit reduces your balance. By redeeming rewards for Amazon purchases, you can replenish your stock without reaching for your wallet. For best value, compare each option on its usefulness.
Best Alternatives to the Amazon Business Credit Card
Other Business Credit Cards Worth Considering
The Amazon Business card isn’t your only choice. Look for cards like the Chase Ink Business Preferred or the Capital One Spark Cash. They also have varying rewards structures and benefits that may suit your business better.
Chase Ink Business Preferred: Good for travel rewards and bonus points on select business expenses
Capital One Spark Cash: No foreign transaction fees on international purchases and offers a flat rewards rate across all spending.
When an Amazon Business Credit Card May Not Be a Good Fit
If your business’s Amazon spend is minimal, this may not be the right card for you. Other cards with broader rewards categories might provide more value.
If, for example, you use mostly local suppliers and don’t spend much money at Amazon, a general cashback card would likely serve you better.
Conclusion
A strong choice for companies that use Amazon frequently, the Amazon Business credit card has a strong set of perks. It ties into your Amazon Business account nicely and offers decent rewards. However, there are drawbacks, including limited rewards outside Amazon and a high APR.
So who is this card most ideal for? If your business depends on Amazon for supplies, this is a great option. If it’s not, look for alternatives until you find the right one.
Take a time and evaluate your business needs. Finally, make sure to compare the Amazon Business credit card with other options. Your bottom line will approve!
