Best Business Credit Cards for Amazon Sellers in 2024
Table of Contents
- 1. Capital One Spark 2% Cash
- 2. Chase Ink Business Preferred
- 3. American Express Business Gold Card
- 4. American Express Business Platinum Card
- 5. Chase Ink Business Cash Credit Card
- So . . .
Getting access to credit can prove difficult for some small businesses, especially in a misunderstood industry like being an Amazon FBA seller. Using a business credit card can provide an affordable and flexible short-term funding solution for Amazon sellers complete with special rewards. Amazon Seller Credit Cards are also a great way to get points for inventory and pay your Amazon PPC fees.
Here are our top 5 Amazon Seller Credit Cards:
- Capital One Spark 2% Cash
- Chase Ink Business Preferred
- American Express Business Gold Card
- American Express Business Platinum Card
- Chase Ink Business Cash Credit Card
1. Capital One Spark 2% Cash
As an Amazon Seller, this has been our favorite credit card for a while. Get an unlimited 2% cash back on every purchase with no minimums or expiration date.
Other Benefits: No foreign transaction fees means it is a great way to pay for your goods on Alibaba (or another payment system).
Sign Up Deal: Get back $500 cash bonuses once you spend $4,500 within 3 months from the account opening.
Pros:
- High Rewards Rate (2% on all purchases)
- No Foreign Transaction Fees
Cons:
- $95 per year
- High APR
2. Chase Ink Business Preferred
Our second favorite Amazon Seller Credit Card is the Chase Ink Business Preferred.
We use this card to pay for all of our advertising (PPC) expenses on Amazon. You get three points per dollar spent on several business categories, including advertising.
Other Benefits: trip cancellation/interruption insurance, roadside dispatch, cell phone protection, and standard purchase protection.
Sign Up Deal: An 80,000 bonus on $5,000 spend within three months ain't too shabby.
Pros:
- 3X points on select categories (e.g. PPC, shipping) up to $150K
- 25% More Points on Chase Travel Portal
- No Foreign Transaction Fees
Cons:
- $95 Annual Fee
3. American Express Business Gold Card
This card has a higher annual fee than the Chase Ink Business Preferred but you get 4X points on advertising, making it a solid Amazon Seller Credit Card.
Other Benefits: Business management expense tools, no foreign transaction fees, travel insurance, extended warranty
Sign Up Deal: Get Up to $500 back when you ship with FedEx
Pros:
- 4X Points of 2 Categories (e.g. PPC, shipping) up to $150K
- 25% bonus on Flights/Hotels Through amextravel.com
- Top Customer Service
Cons:
- $295 Annual Fee
4. American Express Business Platinum Card
This card is great if you have to travel a lot. Get five points per dollar spent on prepaid hotels and flights from amextravel.com, 1.5 points per dollar on eligible purchases of $5,000 and up (up to a cap of 1 million extra points per year), and one point per dollar for other eligible purchases.
Other Benefits: Get one year of Platinum Global Access from WeWork. Purchase protection, Global lounge access, Concierge service, a fee credit for Global Entry and TSA Prechecks, and access to Wi-Fi hotspots.
Sign Up Bonus: 50,000 points for spending $10,000 and a further 25,000 bonus points for spending a further $10,000 on eligible purchases within three months of holding an account.
Pros:
- 5X Points on Flights/Hotels Through amextravel.com
- One Year Platinum Global Access from WeWork
- Global Lounge Access and other travel perks
- Top Customer Service
Cons:
- $595 annual fee
- Low Point Bonus Besides Travel
5. Chase Ink Business Cash Credit Card
Every other purchase made with the card comes with an unlimited 1% cashback.
Other Benefits: 5% cash back for the first $25,000 spent across many office supply stores and cable and phone services per year. 2% cash back for the first $25,000 spent at gas stations and restaurants per year. Purchase protection, extended warranty protection, and travel and emergency help.
Sign Up Bonus: $500 bonus cash back after spending over $3,000 on purchases within the first three months of opening their account
Pros:
- No Fee
- 2%
Cons
- 2% cash back on gas and dining only on first $25,000
- Foreign Transaction Fees
So . . .
Amazon Seller Credit Cards can offer a lot of benefits, including extra points for PPC advertising and assistance with cash flow.
We recommend getting the Chase Ink Business Preferred for PPC ads and the Capital One Spark 2% Cash for all other purchases. If you are spending a lot on PPC ads, the American Express Business Platinum Card can also be a great option.
Disclosure: Some of the links above are affiliate links, meaning, at no additional cost to you, we will earn a commission if you click through and sign up. In no way has this impacted our review.
Frequently Asked Questions
What is the best business credit card for Amazon FBA sellers in 2024?
The best credit card for Amazon FBA sellers in 2024 varies depending on your business needs, but popular options include the Amazon Business Prime American Express card for enhanced perks on Amazon purchases and the American Express Blue Business Cash™ card for cash-back on everyday business spends.
How does the Amazon Business American Express card benefit Amazon FBA sellers?
The Amazon Business American Express card offers perks like 5% back on Amazon purchases, terms apply, and flexible payment options, making it a great card for Amazon FBA sellers looking to maximize their rewards on business purchases.
What is the advantage of using the Amazon Business Prime American Express card?
The Amazon Business Prime American Express card provides fantastic benefits like 5% back on U.S. purchases at Amazon Business, AWS, and Whole Foods Market, or 90-day extended payment terms, making it an excellent choice for an Amazon business owner.
Are there any credit cards that offer significant cash-back for Amazon business purchases?
Yes, the American Express Blue Business Cash™ card offers 2% cash back on eligible purchases on the card up to $50,000 per year, which can be highly beneficial for Amazon business transactions.
How can business owners benefit from using an Chase Ink Business Unlimited card?
The Chase Ink Business Unlimited card offers unlimited 1.5% cash back on every purchase, which can be particularly useful for business owners looking to simplify their rewards with a straightforward cash-back structure.
What are some good cards for Amazon FBA sellers who also travel frequently?
Business cards like the American Express® Business Platinum Card offer not only rewards on business purchases but also travel benefits and membership rewards points, making them ideal for Amazon FBA sellers who travel often.
Is it possible to get additional employee cards with an Amazon business credit card?
Yes, many Amazon business credit cards allow you to get additional employee cards at no extra cost, enabling you to manage your team's expenses more effectively.
How important are credit card rewards for an Amazon FBA business?
Credit card rewards can significantly reduce your overall expenses by providing cash back, points, or statement credit on purchases. For an Amazon FBA business, these rewards can accumulate quickly, leading to substantial savings.
What should one consider when selecting a business credit card for Amazon purchases?
When selecting a business credit card for Amazon purchases, consider factors like the cash-back rate, statement credits, the ability to earn points on everyday business purchases, and any additional benefits such as travel perks or extended payment terms.
Can you apply for a business credit card with a new Amazon FBA business?
Yes, you can apply for a business credit card even with a new Amazon FBA business. Many credit card issuers offer cards designed to help new businesses build credit and manage expenses effectively from the start.
