Amazon Business Card: Benefits, Application & Tips

Running a business means keeping an eye on every expense, from office supplies to software subscriptions. For many business owners, Amazon is already the go-to source for everyday essentials. That’s where the Amazon Business Card comes in. Designed to help entrepreneurs, startups, and even large organizations save money, these cards offer tailored rewards and benefits that support smarter spending.

In this guide, we’ll cover everything you need to know: the difference between the Amazon Business Store Card and the Amazon Business Prime American Express Card, how to apply, login instructions, rewards programs, and practical tips for using the card to your advantage.

What Is the Amazon Business Card?

The Amazon Business Card is a financial tool created specifically for business owners and organizations. Unlike a personal credit card, it’s designed to:

Offer cashback or extended payment terms on Amazon purchases.
Provide easy tracking of expenses for tax and accounting purposes.
Help businesses separate personal and business spending.

There are actually two main types of Amazon Business Cards:

Amazon Business Store Card – A charge account issued by Synchrony Bank. Works only for Amazon purchases.
Amazon Business Prime American Express Card – A co-branded card that works anywhere Amex is accepted, offering broader rewards.

Types of Amazon Business Cards Explained

1. Amazon Business Store Card

Best for: Small businesses that primarily purchase from Amazon.
Rewards: 5% cashback on Amazon purchases (with a Prime membership).
Drawback: Can only be used at Amazon and its affiliated sites.

2. Amazon Business Prime American Express Card

Best for: Businesses that shop both on and off Amazon.
Rewards:
- 5% back or 90-day payment terms on Amazon purchases.
- 2% back at restaurants, gas stations, and wireless services.
- 1% back everywhere else Amex is accepted.
Drawback: Requires a Prime membership and American Express approval.

For example, a freelancer who orders software, office chairs, and tech gear on Amazon could use the Business Prime Amex Card to earn cashback while also getting extended payment flexibility.

Amazon Business Credit Card Application

Applying for an Amazon business credit card is straightforward, but you’ll need some information ready:

Step 1: Choose the Right Card

If you mostly shop on Amazon → Amazon Business Store Card.
If you want wider use → Amazon Business Prime Amex Card.

Step 2: Start the Application

Visit the Amazon Business Credit Card application page.
Select the card you want and click Apply Now.

Step 3: Provide Business Details

You’ll need:

Business name and address
Federal Tax ID or SSN (for sole proprietors)
Estimated annual revenue and number of employees

Step 4: Credit Check

Both cards require a credit check. Approval depends on your personal or business creditworthiness.

Step 5: Approval and Setup

Once approved, you can start using your card immediately for Amazon purchases (digital card) while waiting for the physical card to arrive.

Amazon Business Credit Card Login

Managing your account online is simple:

Amazon Business Store Card (Synchrony Bank)
- Go to the Synchrony login page.
- Enter your username and password.
- From there, you can check statements, pay bills, and view rewards.
Amazon Business Prime Amex Card
- Use the American Express login portal.
- Track spending, set up autopay, and download expense reports.

👉 Tip: Bookmark your login page for quick access — especially useful if you manage recurring payments or multiple employee cards.

Benefits of the Amazon Business Card

The appeal of the Amazon Business Card goes beyond cashback. Here are the top advantages:

1. Cashback Rewards

5% back on Amazon purchases with Prime.
Extra rewards categories with the Amex version.

2. Flexible Payment Terms

Option to choose between cashback or 90-day financing on Amazon orders.
Great for businesses that want to improve cash flow.

3. Expense Tracking

Both cards make it easier to separate business expenses from personal ones.
Downloadable reports simplify accounting and tax prep.

4. Employee Cards

Cardholders can request Amazon business card holders for employees.
Track and control spending across your organization.

5. Integration with Amazon Business Account

Works seamlessly with Amazon Business, which already offers bulk pricing and analytics for companies.

Drawbacks to Consider

Of course, no card is perfect. A few downsides include:

Prime membership required to unlock the best rewards.
Amazon Business Store Card is limited to Amazon purchases.
Credit check required, which may not be ideal for startups with little credit history.
Some users prefer cashback flexibility over fixed categories.

Amazon Business Gift Card vs. Business Credit Card

It’s easy to confuse the Amazon Business Gift Card with the credit card. They serve very different purposes:

Amazon Business Gift Card – Prepaid option for employee rewards, promotions, or controlled spending. No credit check required.
Amazon Business Card – Credit line with rewards and financing, designed for ongoing business purchases.

Both tools can complement each other. For instance, a company might use the Business Amex card for bulk orders while handing out gift cards as employee incentives.

Amazon Business Card and Jobs

You might notice Amazon business job postings related to the Business Card program. These roles often fall under Amazon’s financial services or partnership teams, focusing on product development, customer support, and business growth.

For professionals, these jobs highlight how Amazon is expanding beyond retail into the financial services industry.

Amazon Business Credit Card Without Personal Guarantee

One common question is whether there’s an Amazon business credit card no personal guarantee option. Currently, both the Store Card and the Amex version typically require a personal guarantee, meaning the business owner is personally responsible for the debt.

This is standard for most small business credit cards, especially for new or smaller companies. As Amazon expands its financial offerings, it’s possible that larger enterprises may see different terms in the future.

Tips for Maximizing the Amazon Business Card

Pair with a Prime membership – Without Prime, the rewards drop significantly.
Use employee cards wisely – Set spending limits for different departments.
Track rewards redemption – Cashback can be applied toward purchases or statement credits.
Leverage 90-day financing – Useful for bulk orders or seasonal inventory purchases.
Combine with Amazon Business account tools – Analytics, multi-user accounts, and tax-exempt purchasing enhance value.

Who Should Get an Amazon Business Card?

The Amazon Business Card is best for:

Freelancers and startups who buy supplies, tech, or equipment on Amazon.
Small businesses looking for cashback on recurring Amazon purchases.
Larger organizations that need multiple employee cards and centralized expense tracking.

It may not be the best fit for businesses that rarely purchase on Amazon or those seeking premium travel rewards.

Conclusion

The Amazon Business Card is more than just a payment method — it’s a tool designed to make business spending smarter and more rewarding. With options like the Amazon Business Store Card for Amazon-only purchases and the Amazon Business Prime American Express Card for broader use, business owners can choose what fits their needs best.

By understanding the application process, login details, benefits, and limitations, companies can make the most of this financial tool. Whether you’re a freelancer ordering supplies or a mid-size company managing multiple employee accounts, the Amazon Business Card offers flexibility and rewards that directly support business growth.