Amazon Business AMEX | Review & Amazon Points Calculator

Amazon Business AMEX Card

Card Review & Amazon Points Calculator
3% Amazon, AWS, Amazon Business
3% Whole Foods Market
2% Restaurant
2% Gas Station
2% Wireless Telephone Services

Review the benefits of the Amazon Business AMEX Card, calculate how many Amazon Points you can earn based on your spend, and compare the results.

The Amazon Business AMEX Card is a solid choice for any business that does a great deal of spending with Amazon, but doesn't want or have Amazon Prime. It offers a high return on both Amazon and Amazon Business Services along with cash back on gas, restaurants, and wireless phone services. It also offers a high return at Whole Foods Market making it a great choice for anyone that shops at that grocery chain.

Bonus Categories

The Amazon Business AMEX Card features 5 bonus categories which consist of earning cash back on Amazon, Whole Foods Stores, gas stations, restaurants, and wireless telephone providers. There is no limit to the amount of cash back you can earn in these categories and no limit to the amount of cash back you can earn with the card in general.

Amazon Credit Cards earn Amazon Points which is basically just cash back since Amazon Points are worth 1 cent each. So 3x Amazon Points is equal to 3% cash back.

3% Amazon

The Amazon Business AMEX Card earns 3% cash back on Amazon purchases per $1 spent. Amazon purchases include purchases made online at, Amazon Web Services (AWS), and Amazon Business. This is the best return you can get on these categories without being an Amazon Prime member and holding the prime version of this card. The Chase Amazon Card also earns 3% cash back at Amazon, but does not earn any bonus cash back on AWS or Amazon Business purchases.

3% Whole Foods Stores

The Amazon Business AMEX Card earns 3% cash back per $1 spent at Whole Foods Stores. Since Whole Foods Stores falls under the as grocery/supermarket category, this is a decent return. The Amazon Business Prime and Chase Amazon Prime cards both earn a higher return of 5% cash back. If you spend around $500 per month on grocery, the AMEX Blue Cash Preferred earns 6% cash back on up to the first $6,000 in grocery purchases per year. If you value Membership Rewards Points, the AMEX Gold Card, and AMEX Everyday Preferred are also very good for grocery.

2% U.S. Restaurants

The Amazon Business AMEX Card earns 2% cash back per $1 spent at restaurants. When it comes to business cards, this is the norm. The AMEX Business Gold and Chase Ink Business Cash are two of the better options.

The AMEX Business Gold Card earns 4 Membership Rewards Points per $1 spend on two categories with the highest spend between airfare, advertisement, gas stations, shipping, restaurant, and computer hardware/software/icloud computing. Membership Rewards Points are valued at 1 cent but can be worth as much as 2 cents each.

The Ink Business Cash earns 2% cash back at restaurants as well, but if you own an Ultimate Rewards Points earning card such as the Chase Ink Business Preferred, you can earn 2 Ultimate Rewards Points per $1 spent instead of cash back. Since Ultimate Rewards Points have a value of 1.25+ cents at minimum, you're looking at a return of 2.5% or higher when redeemed for travel or transferred to partners.

2% U.S. Gas Stations

The Amazon Business AMEX Card earns 2% cash back per $1 spent at gas stations. For the same reasons as the restaurant category, the AMEX Business Gold and Chase Ink Business Cash would be the better options if you're looking for to maximize the earnings on this category.

2% U.S. Wireless Telephone Services

The Amazon Business AMEX Card earns 2% cash back per $1 spent on wireless telephone services. This is an okay return, but a better return can be obtained with the Chase Ink Business Cash which earns 5% cash back or 5 Ultimate Rewards Points if you have a Ultimate Rewards Point earning card. The AMEX SimplyCash Card is another solid option since it earns big for wireless telephone services as well.

1% Non-Category

All purchases outside of the categories listed above will earn 1% cash back per $1 spent. This is of course a very low return. I recommend running non-category spend through a 1.5% or 2% cash back business card. The Capital One Spark Cash earns 2% cash back and the Capital One Spark Miles Business Visa earn 2 Spark Miles per $1 spent. Both cards have an annual fee, but if you spend enough on non-category purchases during the year, you will earn more cash back than a 1.5% cash back card such as the Chase Ink Business Unlimited.

Perks and Benefits

The Amazon Business AMEX Card offers a few benefits for cardholders consisting of extended payment terms, shop with points, and Amazon Business Enhanced data views. The card also comes with basic American Express business tools as well. The perks and benefits of both this card and the Amazon Business Prime AMEX Card are the same with the exception of the length of payment terms.

Amazon Shop With Points

Amazon Business AMEX Cardholders will be able to use the Amazon Points they've earned directly on the Amazon website to pay for purchases. 1 Amazon point is equal to $0.01 cent so you will still get the same value shopping directly as you would redeeming the cash back through other means.

Amazon Business Enhanced Data Views

Amazon Business AMEX Cardholders will receive item-level purchase details when using the card to make purchases on Amazon Business. This will be visible on the credit card statement.

60 Day Payment Terms

Amazon Business AMEX Cardholders will be able to opt for a 60 Day Payment Term instead of 3% cash back when making purchases with Amazon properties. Amazon properties consist of,, U.S. Whole Foods Market locations, including Whole Foods Market 365 stores and, U.S. Amazon Go locations, U.S. Amazon Books locations, and the business or businesses operating as Amazon Web Services in the United States. Payment will be due 60 days from the date of purchase. Amazon Business Prime AMEX Cardholders receive 90 day terms.

Sign Up Bonus

The sign up bonus for the Amazon Business AMEX Card is a $100 Amazon Gift Card upon approval for the card. This is a straight forward bonus that has $100 in value. Amazon Business Prime AMEX Cardholders receive a slightly higher Amazon gift card of $125.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the Amazon Business AMEX Card. This allows you to earn cash back without worrying about trying to meet a certain amount of spend.

Authorized User Fee

There is no fee to add authorized users or employee cards to the Amazon Business AMEX Card.

Foreign Transaction Fee

The foreign transaction fee for the Amazon Business AMEX Card is 0%. While it is great that you will not be charged for transaction outside of the United States, the bonus categories on this card are for U.S. purchases only. This means you would earn 1% cash back for all foreign transactions making this card not the best for international spend.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
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View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-02-26
Article By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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