The Amazon Business American Express® Card is more than just a way to pay — it’s a smart tool for UK-based entrepreneurs looking to streamline spending, stretch their cash flow, and earn value back on every pound. Whether you’re a freelancer who buys supplies through Amazon, or a scaling business using AWS, this card lets you choose between delayed payment terms or Amazon Rewards points, all with no annual fee.
But how do you qualify, how does it really work behind the scenes, and is it better than other business cards in the UK market?
Let’s unpack it all below.
✅ Eligibility Requirements
To qualify for the Amazon Business Amex, you’ll need to meet the following criteria:
- Be registered as a sole trader, limited company, or partnership in the UK
- Have a UK bank account and UK billing address
- Be 18 years or older
- Have a fair to good business credit profile, or be personally creditworthy (Amex may assess personal credit in small businesses)
- Create or link to an Amazon Business UK account (free and required for billing integration)
🔍 Tip: You do not need to be VAT-registered or meet a minimum annual revenue. Even early-stage businesses can qualify — though your creditworthiness still matters.
📝 How to Apply – Step-by-Step
Applying is straightforward and takes about 10 minutes online.
- Visit the official application portal via Amazon or Amex
- Log in to or create your Amazon Business UK account
- Complete the form with personal and business details (address, structure, number of employees)
- Consent to a soft credit check — it won’t affect your score
- Receive an instant decision in most cases
- Once approved, receive your card by post within 5–7 business days
- Link the card to your Amazon Business profile to unlock full benefits
💡 Businesses can request supplementary cards at no extra cost during or after sign-up.
⚡ Approval Tips – How to Maximise Your Chances
- Ensure your personal credit report is clean — even for business cards, Amex often checks the owner
- Use a registered business address (not a PO box or shared space, if avoidable)
- Have a consistent history of business transactions or proof of trading (bank statements, invoices)
- Make sure your Amazon Business account is fully verified before applying
- Avoid applying for multiple credit products in a short time — space them out by at least 60–90 days
🎯 Optimisation Tips – Make the Most of This Card
- Switch between rewards and payment terms month by month, depending on cash flow needs
- Use for all Amazon purchases, especially office supplies, packaging, and AWS hosting
- Stack rewards with Amazon Business pricing offers or Subscribe & Save for maximum value
- Set employee spend limits on supplementary cards to keep control
- Pay off balances monthly to avoid the 31.0% representative APR
🧠 Insider hack: You can switch between points and terms even after a purchase, as long as it’s within the monthly billing cycle.
💼 Hidden Benefits You Might Miss
- Spend Insights: Amex’s business dashboard gives you visual spending reports and categories
- Custom Reporting: Export expenses for easier VAT or accounting filing
- Amex Offers: Occasionally includes small-business promotions (e.g. £5 off £20 spend at partner retailers)
- Purchase Protection on eligible items — covers accidental damage or theft for up to 90 days (T&Cs apply)
- No-fee employee cards — centralise spending without additional costs
🔄 Alternatives to Consider
If you don’t spend heavily on Amazon or want broader rewards, here are a few UK alternatives:
| Card | Key Benefit | Annual Fee | Ideal For |
|---|---|---|---|
| Capital on Tap Business Rewards | 1% cashback + £100 bonus | £99 | High general spenders |
| Barclaycard Select Cashback | 1% cashback on all spend | £0 | Businesses not tied to Amazon |
| Amex Business Gold | Points on all spend + travel rewards | Free 1st yr (£175 after) | International travel & perks |
| Metro Bank Business Credit Card | Simple low interest (14.9% APR) | £0 | Low-interest fans |
❗Important: Most alternatives don’t offer the 90-day payment terms, making the Amazon Amex uniquely valuable for businesses that rely on Amazon.co.uk or AWS.
❓ Extended FAQs
Q1: Is this a credit card or charge card?
A: It’s a credit card — meaning you can carry a balance, though interest applies if you don’t pay in full.
Q2: Does it affect my personal credit score?
A: Amex may run a soft check initially, but a hard search is likely if you proceed. If you’re a sole trader, your personal credit history will factor into approval.
Q3: Can I use this for personal purchases?
A: No — it’s meant for business use only. Mixing expenses may violate terms and create tax/accounting complications.
Q4: What’s the maximum credit limit?
A: Limits are assigned based on your business profile — many users report starting limits between £2,000 and £10,000.
Q5: Do rewards expire?
A: No — your Amazon Rewards Points do not expire as long as your account remains open and in good standing.
Q6: Is there a minimum spend for the £50 gift card?
A: No — it’s granted upon approval, not upon first use. But T&Cs may change, so always read the fine print.
🧾 Final Verdict – Is It Worth It?
If your business regularly uses Amazon or AWS, this card is one of the most practical and cost-effective options available in the UK right now. The ability to defer payments for 90 days without paying interest is a rare perk in the business credit card world — and the fact that it comes with no annual fee makes it even more compelling.
While the 31.0% APR is steep, responsible use (paying balances in full) avoids that cost entirely. It’s not the most versatile card for rewards across all categories — but within the Amazon ecosystem, it delivers serious value.
👉 Ready to Apply?
Check your eligibility now with no impact on your credit score.
You could have the card in hand — and £50 Amazon credit — within days.
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