Starting a business in the United Kingdom requires planning, financial intelligence and good choices. In this scenario, having a business credit card can be a strategic tool for organizing your finances, gaining benefits and even taking advantage of more flexible payment terms. One of the most attractive products currently is the Amazon Business American Express® Card – a partnership that combines the strength of Amazon and the global credibility of American Express.
This card was designed to make everyday life easier for small and medium-sized businesses. With it, you can receive rewards on every purchase or, if you prefer, gain up to sixty additional days to pay for purchases made on Amazon. All of this combined with a service package that includes specialized support, expense management tools and a first year with no annual fee.
Below, you will understand all the details about how the card works, what the requirements are, how to apply for it, what the main uses are and whether it is really worth it for your business.
What are the requirements needed to apply?
Before starting the card application process, it is important to ensure that you or your company meets the basic requirements set by American Express. These are clear and objective, and they help to filter who is eligible to receive the product.
Check the mandatory criteria:
The company must have an active account with a bank or building society in the UK
Applicant must be 18 years or older
Permanent UK resident required
The applicant must have an active Amazon subscription, either on the Consumer Prime, Consumer Standard, or Business plan
After the first free year, you must accept the annual fee of £50.
It is recommended to have a good credit history and a minimally organized business structure.
Meeting these criteria does not guarantee automatic approval, but it considerably increases the chances of having your application accepted. American Express will conduct a detailed analysis of the applicant’s profile, as we will explain later.
What documents are required?
The application process is done online and is usually simple, but it is essential to have all the information and documents at hand to speed up the analysis. Having the right data can avoid delays and make the process smoother.
The main documents and information requested are:
Full personal details of the applicant, such as name, permanent UK address and date of birth
National Insurance (NI) Number
Company banking information, including bank name and account number
Business details such as name, type of activity, operating time and estimated monthly expenditure volume
Confirmation that you have an active Amazon subscription (you will be asked to validate your Amazon account)
Relevant financial information, such as company revenue, fixed expenses and other financial commitments
Credit history (the inquiry is made directly by the institutions, but it is important that the applicant is up to date with their commitments)
In some cases, American Express may request additional documents for verification, such as proof of income, recent bank statements or tax returns. This will depend on the company profile and the complexity of the registration.
What are the biggest uses of this credit card?
One of the great advantages of the Amazon Business American Express® Card is its flexibility. It adapts to different business profiles, from those who make frequent purchases on Amazon to those seeking more efficient and centralized financial control. See the main uses of this card in everyday business life.
Shopping in the Amazon ecosystem
The card is designed to offer maximum use for purchases made on Amazon.co.uk, Amazon Business UK and Whole Foods Market UK. In these environments, the user can choose between two paths:
Earn 1.5% in Amazon Rewards for every pound spent
Or opt for an additional sixty days of payment time, without charging interest
This choice can be made on a transaction-by-transaction basis, allowing for flexibility based on current needs. It’s ideal for those with variable cash flow or who want to accumulate rewards frequently.
Shopping at other establishments
Even outside of the Amazon environment, the card continues to offer benefits. For any other type of purchase – whether online or in person – the cardholder receives 0.5% in Amazon Rewards for every pound spent. This cashback can be used to deduct amounts from future purchases or converted into benefits, according to the terms of the program.
Common expenses outside of Amazon include:
Fuel expenses
Food and restaurants
Flights and accommodation for corporate travel
Marketing, technology or consulting services
Subscriptions to software or digital platforms
Purchases of office supplies and consumable items
Employee use
Additional cards can be ordered for team members, allowing employees to make purchases on behalf of the company with centralized control. All transactions are recorded in the main account, making it easier to reconcile finances and set individual limits.
Financial management
American Express offers tools for controlling spending, categorizing expenses, and generating reports. This helps you identify spending patterns, analyze where you can save, and ensure more effective management of your business budget.
Our advice for anyone applying for the Amazon Business American Express® Card
Before making your final decision, it is essential to reflect on your company’s profile and understand how this card fits your real needs. Although it is an excellent option for many entrepreneurs, it may not be ideal for all cases.
Here are some points that we consider important when evaluating the request:
If you make frequent purchases on Amazon or Whole Foods, this card tends to be very advantageous, as the cashback percentage on these platforms is one of the highest on the market.
If your business has seasonal periods or cash flow variations, the sixty-day payment option can provide significant financial relief.
If you already have other corporate cards, compare rates, rewards and terms to see which one gives you the best return.
The representative APR is 39.0% variable, which means that late payments can generate high costs. Therefore, it is ideal to use the card with financial discipline and always pay bills on time.
Make sure your Amazon subscription is active and valid before starting the process. This is a fundamental requirement.
Planning and conscious use are the keys to making the most of the potential of the Amazon Business American Express® Card without surprises in the future.
Weighing up the pros and cons – Is it worth it?
To help you think about it in a practical way, we have gathered the main positive points and limitations of the card. Evaluating both sides is essential before making any financial decision.
Positive points
First year without annual fee, allowing you to test the card without initial cost
Attractive rewards for purchases on Amazon (1.5%) and outside of Amazon (0.5%)
Sixty days to pay for purchases on Amazon, an exclusive option to ease cash flow
Additional cards for the team, with centralized control and expense breakdown
Enterprise account management with reporting, real-time tracking and automatic categorization
24/7 support and exclusive American Express benefits such as insurance and experience programs
Points of attention
£50 annual fee after the first year
High APR, which requires care in paying bills in full
Cap on reward accumulation, as per terms and conditions
Eligibility is subject to an active Amazon subscription, which may be a deterrent for some businesses
Overall, it is a card recommended for companies that already have some level of financial maturity, frequently purchase from the Amazon ecosystem and want to combine benefits with more control over spending.
Apply for a credit card once and for all on the official website
If you’ve come this far and believe that the Amazon Business American Express® Card matches your business profile, the next step is simple: apply directly on the official American Express website.
The entire process is done online, securely and quickly. Filling out the form takes just a few minutes, and you will receive a response shortly. Once approved, you can start using the card and enjoy the benefits, including a welcome offer of up to £100 in promotional value, subject to the current terms and conditions.
Don’t put it off. If your business can grow with more control, flexibility and real rewards, now may be the time to act.
Click the button below and learn everything about how to secure your Amazon Business American Express® Card.
You will be redirected to the bank’s official website.
