Amazon Business
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Amazon Business from American Express earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card..
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
What does the Amazon Business earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Amazon Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 2x among the top bonus categories.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Amazon Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Amazon Business reward caps and conditions?
The Amazon Business has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2% back at U.S. restaurants
- 2% back at U.S. gas stations
Who should get the Amazon Business?
The Amazon Business fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Amazon Business fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Business card — rewards and liability rules differ from consumer cards.
What is the Amazon Business welcome bonus?
In Madeen's catalog snapshot, the Amazon Business welcome offer is Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $100
- Terms (catalog snapshot)
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Does the Amazon Business have an annual fee?
The Amazon Business has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Amazon Business?
The Amazon Business includes Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Extended Warranty in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrWith Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year.
Purchase Protection
$10,000/yrWhen an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Baggage Insurance Plan
$2,000/yrTravel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier.
Car Rental Loss and Damage Insurance
$40/yrAs a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions.
Global Assist® Hotline
$25/yrWhenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance.
Related encyclopedia topics
Common questions about the Amazon Business
Where do cardholders spend most with the Amazon Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the Amazon Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is an Amazon Business card worth it?
The Amazon Business from American Express earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card..
What credit score do I need for an Amazon Business card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Amazon Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Amazon Business have an annual fee?
The Amazon Business carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Amazon Business?
Dining is the strongest Madeen category for the Amazon Business at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Amazon Business charge foreign transaction fees?
The Amazon Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the Amazon Business compare to similar cards?
Compare the Amazon Business against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Amazon Business This card | Dining | 2% | $0 |
| Dining | 3.5% | $550 | |
American Express | Dining | 3% | $150 |
American Express | Dining | 3% | $195 |
American Express | Dining | 2.8% | $250 |
Side-by-side comparisons
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American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure