If your business regularly shops on Amazon or relies on AWS for cloud services, the Amazon Business American Express® Card could be one of the most valuable tools in your financial toolkit. Designed for UK-based businesses — from sole traders to limited companies — this card combines payment flexibility with tangible rewards, helping you manage cash flow while earning something back on your spending.
🔑 Key Benefits – Why This Card Stands Out
- 🎁 £50 Amazon Gift Card upon approval – no minimum spend required (terms apply)
- 💸 No annual fee — ever
- 🛒 1.5% Amazon Rewards points on eligible purchases at Amazon and AWS
- 🕒 Optional 90-day payment terms on Amazon purchases — interest-free
- 💳 0.5% back in rewards on all other card spend
- 🌍 Use anywhere American Express is accepted
- 👥 Add free employee cards to earn points faster or control spending
Unlike typical cashback cards, the Amazon Business Amex lets you choose monthly between two valuable options:
- Earn rewards points for future savings, or
- Defer payment for up to 90 days on Amazon purchases to manage working capital
🧠 Pro tip: If your business has seasonal income or variable expenses, the 90-day payment feature could free up essential cash flow without taking on interest-bearing debt.
👤 Who This Card Is Ideal For
This card is purpose-built for:
- 📦 Amazon-reliant businesses (eCommerce sellers, office suppliers, resellers)
- ☁️ AWS-based tech startups or IT consultancies
- 🧾 Sole traders or freelancers looking to simplify and track business spend
- 📊 Finance teams managing multiple employee expenses under one account
If your business spends at least £500–£1000/month on Amazon, the rewards or payment deferral could add up to hundreds in annual value — all with £0 in fees.
⚙️ How It Works – 4-Step Process
- Apply online: Provide business and personal details — soft check only at first
- Get instant decision: Most applicants receive an answer within minutes
- Activate and start using: Use the card anywhere Amex is accepted
- Choose your benefit monthly:
- Either earn Amazon Rewards points, or
- Activate 90-day terms on Amazon invoices
💡 Note: You must have an Amazon Business account (free to open) to access full card benefits and billing integration.
📊 At-a-Glance Comparison – Top Business Cards (UK)
| Feature | Amex Amazon Business | Capital on Tap Rewards | Barclaycard Select Cashback |
|---|---|---|---|
| Annual Fee | £0 | £99 (first year free) | £0 |
| Amazon Points / Rewards | Up to 1.5% | None | None |
| Deferred Amazon Payments | ✅ (90 days) | ❌ | ❌ |
| Welcome Bonus | £50 Gift Card | £100 Statement Credit | None |
| APR (Representative Variable) | 31.0% | 34.3% | 22.4% |
| Accepted Internationally | ✅ | ✅ | ✅ |
✅ Pros and ❌ Cons
Pros
✔ £0 annual fee for life
✔ Choose between cashback-style points or flexible payment terms
✔ Boosts cash flow without borrowing
✔ Great for frequent Amazon buyers or AWS users
✔ Easily add employee cards for streamlined expense tracking
Cons
❌ High APR if you carry a balance (31.0% representative variable)
❌ Limited use if you rarely shop on Amazon
❌ Doesn’t support balance transfers or intro APR promotions
💳 Important Technical Notes
- Rewards points are automatically applied to your Amazon Business account
- The 90-day payment term only applies to Amazon Business UK purchases
- Supplementary cards share the same limit but can have individual spending caps
- Credit limit is subject to approval and based on business creditworthiness
- No foreign transaction fees on purchases made outside the UK
🚀 Is It Right for You?
If you’re already using Amazon for business, this card is a no-brainer — the £50 gift card is instant value, and the payment flexibility or points earning makes it superior to most free business cards in the UK. For companies running lean or scaling fast, every extra day of cash on hand matters — and this card delivers.
If your business rarely uses Amazon, though, you may get more value from a broader cashback card.
👉 Ready to Check Eligibility?
You can check if you qualify without impacting your credit score — it only takes 60 seconds.
