Amazon Business

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Amazon Business

At a glance

Welcome Offer

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.

Limited Time Offer

New Offer

All time high

Rewards

3% back on U.S. purchases at Amazon Business, AWS, Amazon.com. Earn 3% Back on the first $120,000 in purchases each calendar year

2% back at U.S. gas stations, restaurants and on on wireless telephone services.

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Points on other purchases

Intro APR

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Balance Transfer Intro

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Regular APR

18.99% - 26.99% Variable

Annual Fee

Amazon Business

Unlock luxurious travel experiences with the Marriott Bonvoy Brilliant® American Express® Card. Earn points on everyday purchases, enjoy complimentary Marriott Bonvoy Platinum Elite status, and receive an annual free night award. Benefit from a $300 Marriott statement credit, Priority Pass Select access, and up to $100 in property credits at select hotels. Elevate your travel rewards and enjoy unmatched perks.

Application Tips

Get the best results with each application

Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)

Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.

Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.

Limit Increase

Credit Inquires

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For existing Amex cardholders — Amex does not pull your credit for new credit card applications.

Application Inquires Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will| not do a hard credit pull when applying for a new credit card at any time

Welcome Offer Eligibility: Welcome Offer Eligibility You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.

Downgrade Options

Getting your card

Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days

Rescore your report: To update your balance off-cycle, call 1-800-874-2717. The update will take up to 5 business days.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits

Card holder benefits

As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Reward Terms

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Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Rewards redemption

Redeem your spending bonus

How to Redeem your valuable credits

Cash Redemption

Travel Redemption

Transfer your to any of the following American Express Travel Partners.

Points Transfer Partners

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Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

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Balance transfer Fee

Balance transfer Terms

Foreign Transactions

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Why We Like it

Considerations

More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?

No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.

What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?

You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.

I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?

For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.

Additional resources