Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

Earn 3% back on $120,000 in annual Amazon, AWS, and Whole Foods purchases with $0 annual fee
The Amazon Business American Express Card earns 3% back on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 each calendar year, plus 2% at U.S. restaurants, gas stations, and wireless providers. Choose between cash back rewards or 60-day interest-free terms on Amazon purchases — all with no annual fee and no foreign transaction fees.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Excellent
Benefits & Perks
Combined Protection Value
$2,250
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehi...
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purch...
Reviews & Analysis
The Amazon Business Amex is the strongest no-annual-fee business card for Amazon-centric spending. The 3% rate at Amazon/AWS/Whole Foods (or 60-day payment terms) sets it apart from flat-rate alternatives. Unlike the Prime version, no membership is required — but you sacrifice 2% in Amazon rewards and 30 days of payment terms.
Details & Terms
| Purchase APR | —% |
| Cash Advance APR | —% |
| Foreign Transaction Fee | $0 |

Earn 3% back on $120,000 in annual Amazon, AWS, and Whole Foods purchases with $0 annual fee
The Amazon Business American Express Card earns 3% back on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 each calendar year, plus 2% at U.S. restaurants, gas stations, and wireless providers. Choose between cash back rewards or 60-day interest-free terms on Amazon purchases — all with no annual fee and no foreign transaction fees.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Excellent
Benefits & Perks
Combined Protection Value
$2,250
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehi...
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purch...
Reviews & Analysis
The Amazon Business Amex is the strongest no-annual-fee business card for Amazon-centric spending. The 3% rate at Amazon/AWS/Whole Foods (or 60-day payment terms) sets it apart from flat-rate alternatives. Unlike the Prime version, no membership is required — but you sacrifice 2% in Amazon rewards and 30 days of payment terms.
Details & Terms
| Purchase APR | —% |
| Cash Advance APR | —% |
| Foreign Transaction Fee | $0 |

Earn 3% back on $120,000 in annual Amazon, AWS, and Whole Foods purchases with $0 annual fee
The Amazon Business American Express Card earns 3% back on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 each calendar year, plus 2% at U.S. restaurants, gas stations, and wireless providers. Choose between cash back rewards or 60-day interest-free terms on Amazon purchases — all with no annual fee and no foreign transaction fees.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Excellent
Benefits & Perks
Combined Protection Value
$2,250
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehi...
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purch...
Reviews & Analysis
The Amazon Business Amex is the strongest no-annual-fee business card for Amazon-centric spending. The 3% rate at Amazon/AWS/Whole Foods (or 60-day payment terms) sets it apart from flat-rate alternatives. Unlike the Prime version, no membership is required — but you sacrifice 2% in Amazon rewards and 30 days of payment terms.
Details & Terms
| Purchase APR | —% |
| Cash Advance APR | —% |
| Foreign Transaction Fee | $0 |