Apply for Amazon Business Credit Card

Apply for Amazon Business Credit Card: The Amazon Business Credit Card is a financial tool designed specifically for business owners who frequently shop on Amazon. Whether you’re running a small business, a startup, or a large corporation, this card offers perks such as cashback rewards, flexible payment terms, and exclusive Amazon discounts.

But how do you apply for an Amazon Business Credit Card? What are the eligibility requirements? This guide will walk you through everything you need to know, from understanding the different types of Amazon Business Credit Cards to increasing your chances of approval.

Types of Amazon Business Credit Cards

Amazon offers two types of business credit cards in partnership with American Express:

1. Amazon Business Prime American Express Card

• Best for Amazon Prime Business members
• Offers 5% cashback or 90-day payment terms on eligible Amazon purchases
• No annual fee (requires Amazon Prime membership)

2. Amazon Business American Express Card

• Available to all businesses, even without an Amazon Prime membership
• Offers 3% cashback or 60-day payment terms on Amazon purchases
• No annual fee

Before applying, it’s important to determine which card best suits your business needs.

Eligibility Requirements

To qualify for an Amazon Business Credit Card, you must meet the following criteria:

1. Business Type and Structure

• Must be a registered business (LLC, Corporation, Sole Proprietorship, or Partnership)
• Freelancers and independent contractors may also qualify

2. Credit Score Requirements

• A good to excellent credit score (typically 670 or higher) is recommended for approval
• If you have a lower credit score, you may need to provide additional financial details

3. Other Qualification Factors

• Proof of business revenue and expenses
• Tax identification number (EIN or SSN for sole proprietors)
• Business bank account details

Step-by-Step Guide to Applying for an Amazon Business Credit Card

Applying for an Amazon Business Credit Card is straightforward. Follow these steps to complete your application:

Step 1: Determine the Right Amazon Business Credit Card

• Choose between the Amazon Business Prime American Express Card or the Amazon Business American Express Card, depending on your Amazon Prime status.

Step 2: Gather Required Information

• Business name, address, and tax identification number (EIN or SSN for sole proprietors)
• Business revenue and expense details
• Personal identification details (driver’s license, passport, etc.)

Step 3: Visit the Official Application Page

• Go to Amazon’s official website and navigate to the Business Credit Card section.

Step 4: Fill Out the Application Form

• Enter all required information accurately to avoid delays in processing.

Step 5: Submit Your Application and Wait for Approval

• Approval decisions are often made within minutes to a few business days. If additional verification is required, it may take longer.

Required Documents for Application

To ensure a smooth application process, have the following documents ready:

✅ Business registration certificate
✅ Employer Identification Number (EIN) or Social Security Number (SSN)
✅ Business bank statements
✅ Credit history reports

How to Increase Your Chances of Approval

If you want to boost your chances of getting approved:

✔ Maintain a good credit score – Pay off existing debts and avoid late payments.
✔ Provide accurate business information – Ensure that your business details are up to date.
✔ Show consistent revenue – A stable income stream improves your approval odds.

Understanding the Credit Card Terms and Fees

Before applying, review the following key terms:

📌 Annual Fees – No annual fee for either card, but the Business Prime Card requires an active Prime membership.
📌 Interest Rates – Vary based on creditworthiness (typically around 15-25% APR).
📌 Rewards – Up to 5% cashback on Amazon purchases or extended payment terms.

Benefits of Using the Amazon Business Credit Card

✔ Cashback on Amazon Purchases – Earn up to 5% cashback on eligible Amazon purchases.
✔ Flexible Payment Terms – Choose to extend payment deadlines up to 90 days.
✔ No Annual Fee – Unlike other business credit cards, there are no hidden fees.

Managing Your Amazon Business Credit Card

📌 Check Your Balance – Log into your American Express account to monitor transactions.
📌 Make Payments – Set up automatic payments to avoid late fees.

Common Issues and Troubleshooting

🤔 Application Denied?

• Check your credit score and apply again after improving it.

🛠 Incorrect Charges?

• Contact American Express customer service immediately to dispute any errors.

Customer Support and Assistance

For assistance, you can reach out to:
📞 American Express Customer Service – 1-800-528-4800
📧 Amazon Business Support – via the official website

FAQs about Applying for an Amazon Business Credit Card

Who is eligible to apply for an Amazon Business Credit Card?

Eligibility for the Amazon Business Credit Card typically requires you to have a registered business with a consistent annual revenue. You must also have a good to excellent credit score. It’s important to review the specific criteria on Amazon’s official credit card page or contact their support for detailed eligibility requirements.

What are the benefits of an Amazon Business Credit Card?

An Amazon Business Credit Card offers several perks including cash back on purchases, special business discounts, and extended payment options. Cardholders may also benefit from expense management tools and insights that help track and control business spending.

How do I apply for an Amazon Business Credit Card?

Applying for an Amazon Business Credit Card can be done online through Amazon’s website. You’ll need to provide details about your business, including financial information and your tax identification number. The process usually includes a credit check to assess your financial stability.

What documents are required to apply for this card?

Typically, you will need to provide your business legal documents, proof of business address, tax identification numbers (such as your EIN), and personal identification documents. It’s best to check the Amazon website or contact their customer service for a complete list of required documents.

How long does it take to get approved for an Amazon Business Credit Card?

Approval times can vary, but most applicants can expect a decision anywhere from a few minutes to a few business days, depending on the completeness of the application and the details provided.

Can I use my Amazon Business Credit Card internationally?

Yes, the Amazon Business Credit Card can typically be used internationally wherever the card network (Visa, MasterCard, etc.) is accepted. Be aware of any foreign transaction fees that may apply when using the card outside of your home country.

What should I do if my application is denied?

If your application is denied, Amazon will provide a reason for the denial. It’s advisable to review your credit report and the reasons provided to understand areas for improvement. You may reapply after addressing these issues, or consider contacting Amazon’s support for further advice on how to meet the eligibility criteria.

Conclusion

Applying for an Amazon Business Credit Card is a smart move for business owners who frequently purchase from Amazon. By following the steps in this guide, you can streamline the application process, improve your approval chances, and maximize the benefits of your card.