If you own a business in the UK and are looking for more financial control, benefits on purchases and flexible payment terms, the Amazon Business American Express® Card could be an interesting solution. This card was created especially for British companies, with benefits aimed at the routine of those who frequently buy from Amazon or need extended terms to organize their cash flow.
In this guide, you will understand why this card stands out, what it can be used for, what its main advantages and disadvantages are, how the credit analysis works and what to consider before applying. Everything is explained clearly, without complications and with a focus on what really matters for those who do business in the United Kingdom.
Why we recommend the Amazon Business American Express® Card
The Amazon Business American Express® Card stands out for combining the Amazon ecosystem with the robustness and credibility of American Express. This combination allows UK companies to have more purchasing power, benefits in the form of rewards and still be able to choose between two paths: earn cashback or have up to 60 extra days to pay for their purchases.
In addition, the card offers no annual fee for the first year and a welcome offer of up to £100 in value. These attractions make the beginning of the experience easier for new users. For businesses that frequently buy from Amazon, or even from establishments like Whole Foods Market UK, this can be a practical and advantageous choice.
We recommend this card especially for companies that:
Already have a recurring volume of purchases on Amazon.co.uk, Amazon Business UK or Whole Foods Market UK
They value the possibility of deferring payments without interest as a way to improve cash flow
Looking for a reliable alternative with 24/7 support, additional benefits and business expense management
Want to centralize team expenses, with the possibility of additional cards for employees
What can I use my credit card for?
The Amazon Business American Express® Card is a card designed for business use. This means it can be used for virtually any business-related expense, whether online or in-person.
See some usage examples:
Purchasing supplies and equipment from Amazon or other retailers
Subscriptions to professional services, such as software, management tools, online platforms
Day-to-day operating expenses, such as fuel, stationery, food, transportation
Corporate travel, hotel reservations, tickets, car rentals
Purchases made by employees using additional cards linked to the main account
You can also choose to receive rewards or extend your payment term for up to 60 days when making purchases on Amazon channels (Amazon.co.uk, Amazon Business UK and Whole Foods Market UK). This flexibility allows you to adapt the use of the card according to your company’s financial situation.
Advantages and disadvantages of credit cards
Like any financial product, the Amazon Business American Express® Card has its strengths and limitations. Evaluating both sides is essential to deciding whether it really fits your business profile.
Advantages of the Amazon Business American Express® Card
First Year Annual Fee Waiver
There is no £50 annual fee charged for the first year of use, which represents a saving for new customers.Rewards Program
Earn 1.5% in Amazon Rewards on purchases made at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK. For purchases made at other stores, you accumulate 0.5%. These points can be used to reduce amounts on new purchases or converted into benefits, according to the terms of the program.Extended Term Option
Instead of receiving rewards on eligible Amazon purchases, you can opt for an additional 60 days to pay, interest-free. This can be a great help in cash flow management.Welcome Offer
Get up to £100 in promotional value when you sign up as a new cardholder. This helps you get started with a little peace of mind.Additional cards for employees
You can request additional cards linked to the main account so that members of your team can make purchases on behalf of the company, with more control and convenience.American Express Support
24-hour customer service, fraud protection, additional insurance, and access to the American Express Experiences program.Business account management
Access to reports, expense tracking tools and a specific portal to facilitate financial control of your business.
Disadvantages of the Amazon Business American Express® Card
Annual fee after the first year
After the initial exemption period, an annual fee of £50 will be charged. Although this is not a large amount, it is a cost that should be factored into your planning.Relatively high APR
The card has a variable APR of 39.0%. For those who do not pay the bill in full when due, this can result in significant charges.Assumed credit limit of £1,200
Although this is just an example and the actual amount may vary depending on the applicant’s profile, the initial limit may be limited for businesses that have a high volume of purchases.Rewards Points Cap
There is a cap on how many rewards points you can accumulate, as per the terms and conditions. This may restrict earnings for businesses with high spend.Requires Amazon membership
To be eligible, you must have an active Amazon membership, either Consumer Prime, Consumer, or Business. Without this, you cannot apply for the card.
How is the credit analysis done on the Amazon Business American Express® Card?
Before granting the card, American Express performs a credit check based on personal and company information. This is done to assess the applicant’s ability to pay and ensure that the applicant meets the required criteria.
In practice, the analysis includes:
Verification of the holder’s credit history
Proof of fixed address in the UK
Confirmation that the company has an active account with a British bank or building society
Assessment of spending profile and possible risk of default
Even though it is a business card, the assessment may take into account data from the person legally responsible for the account. Having a good credit history, a fixed address and a relationship with Amazon helps a lot in the approval process.
Is there a maximum and minimum value on the Amazon Business American Express® Card?
American Express does not publicly disclose the exact minimum and maximum limits, as they are customized based on each customer’s credit analysis.
However, on the official website, there is an assumed example of a credit limit of £1,200, used for illustrative purposes. This indicates that the initial amount may be relatively modest, but it can increase over time, based on usage and good payment history.
It is worth remembering that higher limits are generally available to companies with higher revenue, a good relationship with the institution and proven payment capacity.
Want to apply? Learn how to get your Amazon Business American Express® Card right here
If after analyzing all the points you believe that the Amazon Business American Express® Card can benefit your business, the next step is to apply directly through the official website.
There’s no need to complicate or waste time with paperwork. Everything can be done safely and transparently.
Want to know more or start your order right now? Click the button below and find out all the details.
