Amazon Business Cards

Earn $100 statement credit after you make $3,000 in Net Purchases on your Card in the first 3 months†
Sign in to apply
Get a decision in as little as 30 seconds
†See 0% APR, No Annual Fee, No Foreign Transaction Fees and Full Terms
Prime Business Card
Amazon Business Card
Welcome Offer
$100 statement credit after spending $3,000 in Net Purchases on your Card in the first 3 months
$100 statement credit after spending $3,000 in Net Purchases on your Card in the first 3 months
Rewards at Amazon.com, Amazon Business, AWS, and Whole Foods Market on up to $150,000 in Net Purchases per calendar year, thereafter earn 1%
5% Back
3% Back
Automatic rewards on your top 3 spending categories outside of Amazon (on up to $150,000 in Net Purchases per calendar year), thereafter earn 1%*
2% Back
2% Back
Rewards on prepaid travel booked in the U.S. Bank Travel Center using your card*
5% Back
3% Back
Unlimited rewards on all other eligible purchases anywhere Mastercard is accepted
1% Back
1% Back
Amazon Business Cards

Earn $100 statement credit after you make $3,000 in Net Purchases on your Card in the first 3 months.†

 †See 0% APR, No Annual Fee, No Foreign Transaction Fees and Full Terms
Sign in to apply

Customer reviews

2.6 out of 5 stars
743 global ratings

Customers say

Customers find the card beneficial for business use. However, the functionality and usability receive mixed feedback - while some find it easy to use, others report issues with logging in and navigating the US Bank platform. Moreover, the card experience is consistently negative, with customers describing it as a nightmare. Additionally, customers report significant problems with payments, being unable to make them online, and find the transition from American Express to US Bank to be terrible. The card quality and interest rate also receive mixed reviews, with some finding it great while others consider it terrible.
AI Generated from the text of customer reviews

Select to learn more

19 customers mention card benefits, 18 positive, 1 negative
Customers find the card beneficial for business use, with one customer specifically mentioning how it helps manage expenses and keep spending organized.
This is a very helpful card. For Bussiness and travel is excellent. I highly recommend you to have one!Read more
Great benefit petticularly no foreign transactions.Read more
Use of the card is fine and the rewards are good....Read more
I haven't had the card for a very long time but so far I love the benefits of it. I have an excellent credit limit and I'm able to use it everywhere!...Read more
170 customers mention card quality, 75 positive, 95 negative
Customers have mixed opinions about the card, with some finding it great while others describe it as terrible and useless.
Horrible, it was transferred without my knowledge and I cannot get the card cancelled. All customer service support hands up on me that I call.Read more
Great card. Works well with Amazon. The "know your customer" hoops you have to jump through are unbelievable....Read more
Terrible, does not allow the card to be paid electronically, must send check, 10 days to post. Internet bank.Read more
GOODRead more
39 customers mention usability, 17 positive, 22 negative
Customers have mixed experiences with the card's usability, with some finding it easy to use and convenient, while others report an awkward user interface.
Not happy with the change to US Bank, outdated platform and hard to navigate, not trustworthy, I will close my accounts.Read more
...It makes everyday purchases simple and convenient, and it helps us keep our business spending organized in one place....Read more
...The US Bank platform is extremely difficult to navigate and worse if you're trying to allow any of your users access to the main account as I have...Read more
Great card for business purchases. Easy to use, convenient, and the rewards on Amazon purchases are a nice added benefit. Very satisfied overall.Read more
27 customers mention interest rate, 12 positive, 15 negative
Customers have mixed opinions about the interest rate of the card, with some finding it good value for the price while others say it's not worth the bother.
...Unlike Amex, I could not schedule weekly autopay payments. The interest rate is ridiculous, one could call it usury....Read more
Love this card love the discount. Enjoy Amazon return policy and quick deliveries. I’m a fan.Read more
...Online banking platform is confusing and some features ON THE ONLINE BANKING APP cost over $700 a year, but first year is free. Gee, thanks!...Read more
Totally recommend it’s the best card with none issues and great deals offerRead more
98 customers mention functionality, 12 positive, 86 negative
Customers report significant functionality issues with the card, including being unable to use it at all, never being able to log in to their account, and problems setting up their account.
Doesn't Work and Information is repetitiveRead more
not work at all it keeps declinedRead more
Card doesn't work ??Read more
...Do not sign up for this card until Amazon finds someone else to manage their cards; USBank is completely incompetent & has already tried to cheat us...Read more
35 customers mention card experience, 3 positive, 32 negative
Customers find the card experience very frustrating, describing it as a nightmare and the worst credit card experience ever, with one customer specifically mentioning issues with the app and payment system.
Terrible experience in the transfer over. I am ready to cancel the card because of how US Bank expects me to interact with their portalRead more
...of my payment, although in this age of instant transactions, it is frustrating.Read more
...They said they would open a ticket but they never did!! Awful experience!!!!Read more
...It is extremely frustrating, especially for a small business owner who needs a card that works consistently....Read more
32 customers mention payability, 1 positive, 31 negative
Customers report significant issues with the card's payment functionality, noting that it cannot be paid online and does not support electronic payment methods.
...Nothing but problems. Cannot set up an online account, cannot pay my bill, cannot get help from Amazon or US bank. Get a business card elsewhere.Read more
Auto pay failed with no notification. I was late on payment with no notification. I was unable to use my card at Amazon with no prior notification....Read more
...The result is there is no way to pay the bill!...Read more
...accounts set up for the business, this card could not be added to my existing business account but rather, I needed to set up a new business account...Read more
20 customers mention card transition, 4 positive, 16 negative
Customers report significant issues with the card transition, particularly with US Bank's handling of the process.
HORRIBLE!! the worst transition ever....Read more
The transfer of this card is a debacle. Very unsatisfied. Cannot access statements and need to set up everything again. I'll be using other options.Read more
This card worked wonderfully for me while it was AMEX. The transition was terrible. I pay off my card every month. I hate paying interest....Read more
Was migrated from American Express to US Bank. Smooth change over, clear communications, card points, card added to wallet super easy to shop,...Read more
Change I didn't ask for
1 out of 5 stars
Change I didn't ask for
US bank enrollment fails - an enrollment I shouldn't have to make so I can see my bill. Also will need to setup new billpay and business reporting. This change may have helped amazon make a couple bucks, but its not what I signed up for and is a thorn in my very busy side.
Hide
Thank you for your feedback
Sorry, there was an error
Sorry we couldn't load the review

Top reviews from the United States

  • Dyan Collings Ralph
    1 out of 5 stars
    Frustrating, Unreliable, and Completely Avoidable
    Reviewed in the United States on September 12, 2026
    Brief content visible, double tap to read full content.
    Full content visible, double tap to read brief content.

    I am extremely frustrated with the transition of the Amazon Business card from American Express to U.S. Bank. American Express was excellent to work with. My experience with U.S. Bank so far has been the complete opposite.

    I never received the original replacement card after the switch to U.S. Bank. When I called to report that, I was told another card would be sent and that it would be expedited. Based on that information, I have been checking for it every day and expecting it to arrive.

    Today I called again and learned that the replacement card was actually sent by regular mail around September 1 and could take up to 15 days to arrive. When I explained that the previous representative specifically told me it was being expedited, the representative basically told me she didn’t know what the other employee had said or what was “in her head.”

    That is unacceptable customer service. If I had simply been told from the beginning that it could take 15 days, I would have understood and waited. Instead, I was given inaccurate information and have spent days wondering why an “expedited” card still hadn’t arrived.

    Meanwhile, my Amazon purchases have been getting declined, including purchases I urgently needed, such as study materials for an upcoming exam and food I expected to receive today.

    Then I learned that the card was being declined because I had missed a payment. The problem is that I have never been able to create or access my U.S. Bank online account because registration asks for my card number — and I still do not have the card.

    I was also told that U.S. Bank would not notify me about the missed payment unless I had previously set up alerts. Again, I cannot set up alerts because I cannot access the account without the card. The representative could not even set those alerts up for me over the phone.

    I had automatic payments set up with American Express and never had this problem. I immediately paid my entire statement balance over the phone once I learned what had happened, expecting that would restore my ability to use the account. Instead, I was told the payment will not clear until Tuesday, so I still cannot use the card.

    The whole situation is circular and incredibly frustrating: I cannot access the account because I do not have the card, I cannot set up alerts because I cannot access the account, I was not notified that a payment was due, and now my Amazon purchases are being declined because of a payment issue I had no reasonable way of knowing about.

    To make matters worse, when I switch an Amazon order to another credit card, items that were available for same-day delivery with the Amazon Business card suddenly become available only for delivery the following day. So I am losing Amazon card benefits because U.S. Bank has failed to provide me with a working card.

    I understand that transitions between banks can have problems. What I do not accept is failing to send the original card, giving me incorrect information about expedited delivery, providing no practical way to access my account without the physical card, and then penalizing me for a payment problem that resulted from that lack of access.

    Amazon and U.S. Bank need to fix this process. So far, switching this account from American Express to U.S. Bank has been a major downgrade in both service and reliability.

    221 people found this helpful
    Sending feedback...
    Thank you for your feedback.
    Sending feedback...
    Thanks, we'll investigate in the next few days.

    We'll check if this review meets our community guidelinesOpens in a new tab. If it doesn't, we'll remove it.

  • MARIE
    5 out of 5 stars
    A Positive Update: Great Help from U.S. Bank
    Reviewed in the United States on September 8, 2026
    Brief content visible, double tap to read full content.
    Full content visible, double tap to read brief content.

    OCT 5, 2026 UPDATE- U.S. Bank saw my initial review and a representative reached out to help resolve my account issue. Within a couple of days, the problem was completely fixed, and I can now access my account online with no issues. Francine was especially helpful. Very professional, and had excellent customer-service skills. She truly listened to my concerns, assured me that she would help, and followed through exactly as promised.

    If you are having an issue, I recommend contacting the main office directly. Based on my experience, I believe they will work with you to find a solution. Now that I have online access, I can see and take advantage of the great offers available, including discounts on office supplies, travel, and other stores.

    OLD Review Aug 2026........This transfer from AMEX to US Bank has been bizarre, and I honestly can’t understand why Amazon would move its customers to what feels like a lower-tier banking experience. I had never even heard of US Bank until my account was automatically transferred over.

    The card arrived pre-activated, which was fine. The problems started when I tried to log in, assuming my information from AMEX would carry over. I also went to the US Bank website to set up an account and ended up on the phone with customer service for at least an hour. The login kept erroring out, and I eventually learned I was supposed to have a PIN, but no one could tell me what it was.

    The bigger issue: I was told the phone number on file needs to be updated. I’ve had the same number for over 10 years. When I asked what number they had on file, they couldn’t tell me. When I asked to update it over the phone, I was told I had to do it in person.. at their nearest branch in North Carolina. I live in Texas. That is absurd!!

    I hope Amazon wakes up from this nightmare partnership soon, because they are going to lose a lot of loyal customers over this. Such a shame.

    43 people found this helpful
    Sending feedback...
    Thank you for your feedback.
    Sending feedback...
    Thanks, we'll investigate in the next few days.

    We'll check if this review meets our community guidelinesOpens in a new tab. If it doesn't, we'll remove it.

  • Scottie
    1 out of 5 stars
    Great as AmEx, horrible under US Bank
    Reviewed in the United States on September 11, 2026
    Brief content visible, double tap to read full content.
    Full content visible, double tap to read brief content.

    Recently Amazon's business credit card switched over from American Express to US Bank. While it was with AmEx I never had problems. There were no issues with payments, credit limits, fees or declined transactions.

    As soon as everything switched over to US Bank, everything started going wrong. US Bank tried to sneak in interest charges 4 days after a transaction. I've had multiple times where I've had to call in just to get them to approve a transaction, while there's plenty of credit available on the account, for routine purchases my business makes. Easy and convenient? Not a chance with US Bank. I've had to make multiple calls per week to get problems resolved.

    And the latest current issue is that they hold your payments for a week or longer before applying it against your account's credit limit. You make the payment, they take the money, but they don't apply the credit for over a week. Not great if you're making payments on things as your own invoices get cleared so keep your balance under the limit to continue to use it. They make it rather difficult to use it for business purposes. Clearly the way their billing, and pretty much their whole system, is designed its to cause the card holder lots of frustration and cost the cardholder money in interest and fees.

    If you're running a small business and want a great card to carry expenses on, avoid this one like the plague. 5% back on Amazon purchases is nice, but after dealing with US Bank for 3 weeks, I'm ready to close my account and shop around. 8 months of great service with AmEx killed by 3 weeks of US Bank.

    128 people found this helpful
    Sending feedback...
    Thank you for your feedback.
    Sending feedback...
    Thanks, we'll investigate in the next few days.

    We'll check if this review meets our community guidelinesOpens in a new tab. If it doesn't, we'll remove it.

  • JC SOLUTION TECH
    5 out of 5 stars
    Great Card for Small Business Owners
    Reviewed in the United States on October 6, 2026
    Brief content visible, double tap to read full content.
    Full content visible, double tap to read brief content.

    This card has been very useful for managing our business expenses. It makes everyday purchases simple and convenient, and it helps us keep our business spending organized in one place. The service has been reliable, transactions process smoothly, and the overall experience has been excellent.

    For a small business, having a card that is easy to use and dependable makes a big difference. It has helped us handle purchases more efficiently and keep better control of our company expenses. I’m very satisfied with the service and would definitely recommend it to other small business owners.

    One person found this helpful
    Sending feedback...
    Thank you for your feedback.
    Sending feedback...
    Thanks, we'll investigate in the next few days.

    We'll check if this review meets our community guidelinesOpens in a new tab. If it doesn't, we'll remove it.

  • Clean Zone Laundry
    1 out of 5 stars
    Worst customer service experience in my life from a trillion dollar company !
    Reviewed in the United States on October 2, 2026
    Brief content visible, double tap to read full content.
    Full content visible, double tap to read brief content.

    I have experienced the worst customer service of my life from a trillion dollar company.

    I spent almost two hours on Amazon chat and spoke with around ten different representatives. Instead of resolving my issue, they kept transferring me from one person to another. I eventually asked for a supervisor, but even the supervisor could not help me.

    I then called Amazon, hoping someone on the phone could give me a clear answer, but they could not help me either.

    My main concern started when Amazon changed my American Express card to a US Bank card without properly informing me. The card number also changed. When I later received an email from US Bank, I thought it was a scam because I did not recognize the card number and I did not even know that I had an account with US Bank.

    Because I was unaware of the account, US Bank charged me 44 dollars for a late payment.

    I then contacted Amazon because I have another Amazon Visa card and wanted to know whether that card had also been transferred to another bank. I simply wanted to avoid having the same problem happen again. After speaking with numerous representatives, no one could give me a clear answer.

    It is extremely alarming that a company as large as Amazon cannot provide its customer service staff with the information and training needed to answer such an important question about its own credit cards.

    Customers should not have to spend hours being transferred between representatives just to find out which bank manages their credit card account. This experience was frustrating, confusing, and completely unacceptable.

    39 people found this helpful
    Sending feedback...
    Thank you for your feedback.
    Sending feedback...
    Thanks, we'll investigate in the next few days.

    We'll check if this review meets our community guidelinesOpens in a new tab. If it doesn't, we'll remove it.

  • Franklin
    1 out of 5 stars
    BAD AT PROVIDING SOLUTIONS TO PROBLEMS
    Reviewed in the United States on September 16, 2026
    Brief content visible, double tap to read full content.
    Full content visible, double tap to read brief content.

    the new US BANK merge was the worse idea ever especially for business owners. When it was linked to American express the prime business card would show on your business American express dash board showing all points and transactions in one location. This NEW US BANK has the worst customer service. I've been on hold and forwarded to 6 representatives because each one mentions it cant handle certain situations. I received 3 business credit cards with my name on them. why do i need 3 credit cards with only my name on each one of them ??? I understand employee credit cards but why all of them on my name ? I only have a card dedicated to me and my office manager. Then I get a text saying that I have a minimum payment due of $35, I go online create a profile and it shows $0.00 I call customer service and they said that i have a separate business account and then I'm not able to log into it and they couldn't provide me my account number. I then talk to their tech support and fix the business portal to view all cards and I tell them " I need to cancel all these extra cards you sent out that are repeated" they couldn't help me and sent me to another department. I wait another 30min on the phone then for them to tell me they cant help me its another department, then i wait another 30 min or so and they said that's the wrong department. I finally get a ahold of someone and they tell me that my balance is over $1000 and i ask "why am i not able to see that in my portal and they couldn't answer my question and forwarded me to another department...... AMERICAN EXPRESS WAS A WAY BETTER OPTION THAN PARTNERING UP WITH US BANK. As a business owner we don't have time to be on hold resolving these dumb issues. US BANK should have a department to solve all problems in one place instead of sending clients all over the place and at the end not providing any solutions.

    89 people found this helpful
    Sending feedback...
    Thank you for your feedback.
    Sending feedback...
    Thanks, we'll investigate in the next few days.

    We'll check if this review meets our community guidelinesOpens in a new tab. If it doesn't, we'll remove it.

  • Vicki A. Sheaves
    5 out of 5 stars
    Use it wisely
    Reviewed in the United States on October 7, 2026
    Brief content visible, double tap to read full content.
    Full content visible, double tap to read brief content.

    I am happy with the business card, however I am not able to set up bill pay online. The US bank website is not helpful and I don't have access to my card number to set up the account.

    4 people found this helpful
    Sending feedback...
    Thank you for your feedback.
    Sending feedback...
    Thanks, we'll investigate in the next few days.

    We'll check if this review meets our community guidelinesOpens in a new tab. If it doesn't, we'll remove it.

  • BTIC INVESTMENT SERVICES, LLC
    1 out of 5 stars
    US Bank MasterCard Needs Serious BPR.
    Reviewed in the United States on October 4, 2026
    Brief content visible, double tap to read full content.
    Full content visible, double tap to read brief content.

    This card has been a total disaster. I had an Amazon AMEX card for years that I had no problems with. All of a sudden, Amazon transferred me to US Bank Master Card that has been nothing but disaster. FIrst, my auto pay arrangement was not transferred over and I was not advised that I needed to set it up again. Next, I never got the physical card and was surprised by a papaer statement showing me past due. I called US Bank and found out that I needed to set up auto pay which I did and asked for the balance to be paid by auto pay that I set up. They said becuase I did not get the old card, they will send me a new one but I cannot charge anything until I get the physical card which took two weeks to get to me. So I started to use the new card but charges kept getting declined and I found out that the old balance had not been processed and I have to wait for it to be processed on Monday and until the next day, any new charge will be declined. My limit is over $20K and the charges declined didn;t reach $350.00 There is no personal attention at this card issuer so I want to change back to AMEX or Visa. Terrible system and terrible service. One of their CSR's even hung up on me when I was complaining about the incompetence of the their system. I'm done with US Bank.

    19 people found this helpful
    Sending feedback...
    Thank you for your feedback.
    Sending feedback...
    Thanks, we'll investigate in the next few days.

    We'll check if this review meets our community guidelinesOpens in a new tab. If it doesn't, we'll remove it.

See more reviews