Best Business Credit Cards For Amazon of March 2023

If you frequently shop at Amazon for your small business or side hustle, then you’ll want to find the best business credit card for all those purchases.

Regardless of what business expenses you have and the type of credit card rewards you prefer, there’s a business card for you. You can earn cash back or travel rewards. And there are cards with no annual fee or 0%-APR offers if you’re looking to invest in growing your business.

Below, CNBC Select details the best credit cards for your Amazon business purchases, so you can make the best decision for your business or side hustle.

Who’s this for? The Amazon Business Prime American Express Card is the most rewarding credit card for Amazon business purchases. Plus it earns cash-back, which is the most straightforward type of credit card reward you can earn.

You need an eligible Amazon Prime membership to get the Amazon Business Prime American Express Card, but that can pay off because you’ll earn 5% cash back on U.S. purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com and Whole Foods Market on the first $120,000 in purchases each calendar year, then 1%. Prime members can also choose 90-day payment terms instead of the bonus cash back. In addition, the card earns 2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers and 1% back on all other purchases.

The card also offers some useful perks such as return protection, which allows you to extend an eligible item’s return policy, as well as no foreign transaction fees.

Who’s this for? If you don’t have a Prime or Business Prime membership, you can get the Amazon Business American Express Card.

The earning rates are slightly lower than the Amazon Business Prime American Express Card but still solid. Non-Prime cardholders have the option to earn 3% cash back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on the first $120,000 in purchases each calendar year, then 1% or choose 60-day payment terms instead of the bonus cash back. The card also offers 2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers and 1% back on all other purchases.

Who’s this for? The Blue Business® Plus Credit Card from American Express is a great option for any business owner that prefers to earn travel rewards on their Amazon purchases. This card earns Amex Membership Rewards points, which transfer to 20 airline and hotel loyalty programs, such as Air Canada, Delta, JetBlue and Marriott.

You’ll earn 2X Amex points on all purchases up to $50,000 per year, then 1X point per dollar. The spending bonus rewards and annual cap are lower than other cards, but you’ll earn bonus points on every eligible transaction. This makes it an ideal card for new businesses starting since you may not know exactly where you’ll be spending the most money. Terms apply.

Who’s this for? The Ink Business Unlimited card is a good choice for business owners who want to earn uncapped rewards without having to worry about an annual fee.

It earns 1.5% cash back on every purchase with no annual limit on the cash back you earn. Plus, there are valuable included benefits, such as cell phone protection, purchase protection and extended warranty protection.

Having both a personal and a business card can also help you earn the most rewards possible for every purchase. Business cards offer bonus rewards for purchases that a business typically makes, like shipping. And consumer cards are more likely to offer additional rewards for everyday expenses like groceries or dining. So by having a consumer and a business card you can earn bonus rewards on a wider range of purchases.

Amazon sellers are likely to spend a lot on inventory, advertising and shipping, so choosing a business card that rewards you for those purchases can make sense. If you want to use your credit card rewards to offset the cost of a vacation, then a card that earns flexible travel rewards is ideal. But travel rewards can be more complicated to redeem for the highest value, so anyone who values simplicity above all will be happier with a cash-back business card.

Amazon FBA is a good service for anyone who doesn’t have the time or desire to ship every single order, but there is a cost you’ll want to consider. Amazon charges fees for its FBA service for product storage and services. The fees vary based on the size of the product, how long it’s stored and the services Amazon provides (shipping, returns, item disposal, etc.).

There is a 30-day free trial for Amazon Business Prime and after that, you’ll pay an annual fee that increases depending on how many users you have on the account:

• $69/year for one user
• $179/year for up to three users
• $499/year for up to 10 users
• $1,299/year for up to 100 users
• $10,099/year for 100+ users

The right business credit card for your Amazon business purchases should be the most rewarding and offer benefits that align with your business’ needs. You’ll also want to pay attention to the annual fee and make sure that its benefits are worth the cost. That said, keep in mind that credit card annual fees a considered tax write-offs for your business.

To determine which business cards offer the best value for Amazon purchases, CNBC Select analyzed over two dozen of the most popular credit cards available to U.S. business owners. We compared each card on a range of features, including annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is to redeem rewards.

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Information about the Amazon Business Prime American Express Card, Amazon Business American Express Card has been collected independently by Select and has not been reviewed or provided by the issuer prior to publication; if you purchase something through Select links, we may earn a commission.

For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.

For rates and fees of the American Express® Business Gold Card, click here.