Amazon Business AMEX Card Calculator

Card Details & 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 Amazon Points 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 Amazon Points on Amazon, Whole Foods Stores, gas stations, restaurants, and wireless telephone providers. There is no limit to the amount of Amazon Points you can earn in these categories and no limit to the amount of Amazon Points you can earn with the card in general.

Do note that Amazon Points are basically just cash back since Amazon Points are worth 1 cent each. So 3x Amazon Points is equal to 3% cash back.

  • 3% Amazon
    • Includes purchases made online at, Amazon Web Services (AWS), and Amazon Business.
  • 3% Whole Food Stores
  • 2% U.S. Restaurants
  • 2% U.S. Gas Stations
  • 2% U.S. Wireless Telephone Services
  • 1% Non-Category

Perks & 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
    • Shop directly on with your points; 1 points is equal to $0.01.
  • Amazon Business Enhanced Data View
    • Receive item-level purchase details when using the card to make purchases on Amazon Business.
  • 60 Day Payment Terms
    • Opt for a 60 day payment term instead of 3% back on Amazon properties.
    • Amazon properties consists of:
      • U.S. Whole Food Market Locations
      • Whole Foods Market 365 Stores
      • U.S. Amazon Go Locations
      • U.S. Amazon Books Locations
      • Businesses Operating As Amazon Web Service in the U.S.

Sign Up Bonus (SUB)

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.


Annual Fee

There is no annual fee for the Amazon Business AMEX Card. This allows you to earn Amazon Points 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.

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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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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