Amazon Business American Express Card — Full Breakdown

Desbloqueie recompensas flexíveis, mais clareza nos gastos e um fluxo de caixa mais forte com o Amazon Business American Express Card

The Amazon Business American Express Card is designed to support companies that want more control over their daily purchasing and clearer visibility over expenses. Whether you’re a small business managing operational costs or a growing company with increasing procurement needs, this card provides a practical blend of Amazon Rewards, extended payment terms and expense-management tools backed by the reliability of American Express. It helps streamline everyday spending while offering the choice between earning rewards or gaining additional time to pay for eligible Amazon transactions.

Alongside this card, American Express also offers the Amazon Business Prime American Express Card, created specifically for businesses with an active Amazon Business Prime membership. This version provides higher reward rates and longer extended payment terms, making it especially attractive to companies that purchase heavily through Amazon.co.uk or Amazon Business UK. Together, these two cards offer tailored approaches to meet the needs of different business profiles.

Key Benefits (Amazon Business American Express Card)

Enjoy Valuable Rewards for Your Business

• Earn 1.5% in Amazon Rewards on eligible purchases made at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, and 0.5% on all other purchases. Terms and caps apply.

Welcome Offer

New cardmembers can enjoy a welcome offer worth up to £100, providing an immediate boost as you begin managing your business spending with the Amazon Business American Express Card. Terms and conditions apply.

60-Day Extended Payment Terms

• Instead of earning rewards on qualifying Amazon purchases, you may choose up to 60 days extra to pay, providing short-term cash-flow relief.
• Ideal for businesses balancing seasonal cycles or waiting for incoming payments.

Rewards on All Other Spending

• Earn 0.5% Amazon Rewards on non-Amazon spending, including travel, fuel, subscriptions and general business expenses.
• Helps maximise value across day-to-day operations.

Flexible Redemption Options

• Redeem points at Amazon checkout or use them as statement credits to reduce your monthly card balance.
• Allows businesses to control how value is reinvested.

Supplementary Cards for Employees

• Issue additional cards to colleagues at no extra cost (subject to terms).
• Consolidates company spending and accelerates reward earning.

Online and App Management

• Easily view transactions, download statements and manage payment schedules via the American Express online platform or mobile app.

Additional Topic — Amazon Business Prime American Express Card

For businesses with an active Amazon Business Prime membership, the Amazon Business Prime American Express Card offers enhanced benefits beyond the standard card.

Exclusive Prime-Linked Benefits

• Earn 2% Amazon Rewards on eligible Amazon purchases (up to the annual cap).
• Or choose 90-day extended payment terms instead of rewards — 50% longer than the standard card.

Greater Value for Frequent Amazon Buyers

• Designed for companies that source a large proportion of their supplies through Amazon.
• The increased reward rate accelerates earning potential on recurring orders.

Shared Features with the Standard Card

• 0.5% rewards on other spending
• Supplementary cards
• Full access to American Express’s digital account tools
• Flexible redemption options

This Prime version is ideal for businesses that want maximum Amazon-focused benefits and already rely on Amazon Business as a core procurement channel.

Fees and Charges

• Annual fee: £50 (often waived in the first year; may be waived with minimum annual spend)
• Representative APR: Variable APR applies on carried balances
• Foreign transaction fees: May apply when used outside the UK
• Late payment fees: Charged if monthly payments are not made on time
• Reward limits: Reward rates apply up to an annual spending threshold

Always review the most recent terms and conditions from American Express before applying.

Eligibility Requirements

To qualify for the Amazon Business American Express Card, your business must:

• Operate legally in the United Kingdom
• Have an Amazon Business account
• Meet American Express’s creditworthiness criteria
• Provide business information, verification documents and an authorised representative
• (Prime version only): Hold an active Amazon Business Prime membership

How to Apply

1. Visit the Amazon Business or American Express UK website.
2. Select the Amazon Business American Express Card.
3. Log into your Amazon Business account.
4. Provide the required business information and complete the online application.
5. Submit your application for credit assessment.
6. If approved, activate your card and begin using it immediately.

Frequently Asked Questions

1. Can I switch between rewards and extended payment terms whenever I want?

Yes — for eligible Amazon purchases, you can select rewards or extended terms on a per-transaction basis, offering flexibility according to your cash-flow needs.

2. Do supplementary cards earn rewards too?

Absolutely. All eligible spending on supplementary cards contributes to the main account’s reward total, making it easier to accumulate points as a team.

3. Are the points only useful for Amazon purchases?

No. While Amazon checkout redemption is popular, you can also redeem rewards as statement credits, helping reduce general business costs.

4. Does the standard card require Amazon Business Prime?

No — only the Amazon Business Prime American Express Card requires a Prime membership. The standard card is available to all Amazon Business users.

5. Will I earn rewards on digital services, subscriptions or software?

Most business purchases earn at least 0.5%, making the card useful for recurring expenses such as SaaS tools, memberships and cloud services.

6. Does the card help with expense reporting?

Yes — transaction details can be downloaded and integrated into accounting or bookkeeping platforms, simplifying financial reconciliation.

Conclusion

The Amazon Business American Express Card is a flexible, practical and valuable payment tool for UK businesses looking to improve expense management while earning meaningful rewards. With the option to extend payment terms, earn Amazon Rewards and streamline team spending, it suits companies of all sizes that want clarity and control in their financial operations.

And for Amazon Business Prime members wanting even stronger benefits, the Amazon Business Prime American Express Card provides enhanced reward rates and longer payment flexibility. Together, these cards offer tailored solutions to support the evolving needs of modern businesses that rely on Amazon for purchasing.