Amazon Business
American ExpressNo annual feeNo foreign transaction fee
Not open to new applicants.
Already have it? Keep it.
No longer offered
This card has been retired. The details below are kept for reference.
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$40 |
| Annual fee | $0 |
| First year | $40 |
| Each year after | +$165 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3% | Amazon Business | 3% |
| 3% | Amazon.com | 3% |
| 3% | Whole Foods | 3% |
| 2% | US Dining | 2% |
| 1% | Everything else | 1% |
+ 3 more rates
| Rate | Category | Return |
|---|---|---|
| 2% | US Gas Stations | 2% |
| 3% | AWS | 3% |
| 2% | US Wireless services | 2% |
Business card · Earns Cash Back
Benefits
Protections (5)
- Baggage Insurance, up to $1,250, Up to $1,250 for carry-on baggage, $500 for checked baggage, per person, in excess of carrier coverage
- Purchase Protection, up to $1,000, 90 days coverage for theft/damage, up to $1,000 per occurrence, $50,000 per account per year
- Extended Warranty, up to $10,000, Extends manufacturer warranty by up to 1 year for warranties of 5 years or less. Up to $10,000 per item, $50,000 per year.
- Return Protection, up to $300, Refunds full purchase price if merchant won't accept return within 90 days. Up to $300 per item, $1,000 per calendar year.
- Car Rental Insurance (secondary), up to $50,000, Secondary coverage for rental car damage or theft, up to $50,000
Other Perks
- Each account chose either the 3% back tier or 60-day payment terms on Amazon Business, AWS, Amazon.com and Whole Foods purchases, never both
- Enhanced data views with line item details of Amazon Business transactions on americanexpress.com
- Employee purchase controls with multi-user accounts and spending limits
- Rewards were Amazon reward points, redeemable at Amazon checkout or as a statement credit at 100 points per dollar
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from Available to RetiredSep 18, 2026
- addedSep 9, 2026