Whether you’re looking to improve cash flow, earn cashback, rack up travel points, or build credit for your business, a good credit card can be a powerful tool. But not all cards are created equal, and the best one for your Amazon business depends on your specific needs.
In this guide, we’ll break down the best business credit cards for Amazon sellers, what makes each one a good fit, and how to choose the right one based on how you run your business.
What to Look for in a Business Credit Card
Not sure which features matter most for a business credit card? Here are key things to consider:
- Cashback or Rewards: Some cards offer flat-rate cashback; others give higher rates in certain categories (like shipping or advertising). Pick one that matches your top spending areas.
- 0% Intro APR: Need time to pay off a large inventory buy? A 0% intro APR card gives you a cushion without interest charges.
- Expense Tracking Tools: Features like custom employee cards, spending limits, and integration with accounting software can make managing your Amazon business smoother.
- Credit Limit: Higher credit limits give you more flexibility, especially during peak seasons or when you need to scale quickly.
- Annual Fees: Some cards are free; others charge a fee in exchange for better rewards or perks. Consider whether the benefits outweigh the cost.
How to Change Your Credit Card on Your Amazon Seller Account
Intermediate sellers often change from using their personal cards to getting a dedicated business card when they start running larger ad campaigns, placing bigger inventory orders, or seeking more organized bookkeeping for taxes.
Here’s how to change the credit card on your Amazon seller account so all selling fees and advertising charges are billed to your new business card:
- Log In to Seller Central: Go to Amazon Seller Central and sign in with your seller account credentials.
- Navigate to Your Payment Settings: In the top-right menu, hover over Settings (gear icon). Click Account Info from the drop-down menu.
- Locate the Charge Method Section: Under Payment Information, select Charge Methods for Selling on Amazon to update your selling fees. If you run Amazon PPC ads, also update Charge Methods for Advertising so both charges go to your new business credit card.
- Edit or Add Your Business Credit Card: Click Edit next to your current card, or Add New Charge Method. Enter your business credit card details as it appears on the card, such as card number, expiration date, business name, and the business billing address.
- Save and Verify: Click Submit or Save. Note that Amazon may run a small temporary authorization to verify the new card.
- Remove Old Personal Cards (Optional): Once your new business card is active, click Remove next to your old personal card to prevent accidental charges.
The 7 Best Business Credit Cards for Amazon Sellers
Now, let’s look at the top options Amazon sellers should consider, broken down by type and benefit.
1. American Express Blue Business Cash Card
Best for: Sellers who want simple, flat-rate cashback
- 2% cashback on the first $50,000 in purchases per year (then 1% thereafter)
- No annual fee
- 0% intro APR for 12 months on purchases and balance transfers
- Expense management tools like employee cards and integration with QuickBooks
If you spend regularly across various business categories and want hassle-free rewards, this is a great starting card, especially for new sellers.
2. Chase Ink Business Unlimited Credit Card
Best for: Straightforward cashback with strong long-term value
- 1.5% unlimited cashback on all purchases
- $750 welcome bonus after you spend $6,000 in 3 months
- 0% intro APR for 12 months on purchases
- No annual fee
This card is excellent if you want reliable cashback and plan to reinvest it into more inventory, PPC ads, or software tools.
3. Chase Ink Business Preferred Credit Card
Best for: Earning points on ad spend and shipping
- 3x points on the first $150,000 spent annually on advertising, shipping, and travel; 1x on all other purchases
- ~90,000 points after $8,000 in 3 months
- Points can be transferred to travel partners or redeemed through Chase Ultimate Rewards
- Annual fee: $95
This card is perfect if you’re scaling and spending significantly on Amazon PPC ads, Facebook ads, or shipping to FBA warehouses.
4. Amazon Business Prime American Express Card
Best for: Heavy Amazon shoppers with a Prime membership
- 5% back (up to about $120,000 per calendar year in eligible spend) or 90-day terms on Amazon.com, AWS, and Whole Foods (with Prime)
- 2% back at restaurants, gas stations, and wireless services
- No annual fee (Prime membership required)
- Access to Amazon’s business reporting tools
If you buy supplies, office products, or even some inventory from Amazon itself, this card is a no-brainer for stacking rewards or deferring payments.
5. Capital One Spark Cash Plus
Best for: High spenders who want unlimited 2% cashback
- 2% unlimited cashback on every purchase
- Annual fee: $150 (waived if you spend $150,000 per year)
- No preset spending limit
- $2,000 bonus after $30,000 spend in 3 months
This business credit card is Ideal for sellers with large monthly inventory or ad budgets who want the simplicity of a flat-rate card with top-tier cashback.
6. U.S. Bank Business Triple Cash Rewards World Elite Mastercard
Best for: Versatile category-based cashback and intro financing
- 3% cashback on gas, office supply stores, cell phone service, and restaurants
- 1% on everything else
- 0% intro APR for 15 billing cycles
- No annual fee
- $500 bonus after $4,500 spend in first 150 days
If you drive for sourcing or spend in multiple business categories outside of Amazon, this card gives you useful cashback and breathing room with its 0% APR.
7. Brex Card for Amazon Sellers (via Brex platform)
Best for: New businesses that want no personal guarantee
- No personal credit check or guarantee
- Rewards tailored for e-commerce and SaaS spending
- Integrated with accounting tools
- Extended payment terms (often up to 60 days)
- Charge card where balance must be paid in full based on agreed schedule
This card is great for newer sellers who are just getting started with the intermediate stage of their selling journey, but don’t want to use their personal credit, especially those selling through LLCs or startups with consistent revenue.
Comparison Table
| Card | Best For | Rewards | Annual Fee | Intro APR |
| Amex Blue Business Cash | Flat cashback | 2% up to $50k/year | $0 | 0% for 12 months |
| Chase Ink Unlimited | Easy cashback | 1.5% unlimited | $0 | 0% for 12 months |
| Chase Ink Preferred | Ads and shipping | 3x points on select categories | $95 | No intro APR |
| Amazon Business Prime Amex | Amazon purchases | 5% back or 90-day terms | $0 (with Prime) | No intro APR |
| Capital One Spark Cash Plus | High spenders | 2% unlimited cashback | $150 | No intro APR |
| U.S. Bank Triple Cash | Mixed spending and long intro APR | 3% in select categories | $0 | 0% for 15 months |
| Brex Card | Newer businesses preparing to scale up | Tailored rewards | $0 | Varies by use |
Why Amazon Sellers Should Use a Business Credit Card
Now that we’ve compared card options, let’s talk about why having a dedicated business credit card is important for Amazon sellers.
Separate Personal and Business Finances
Mixing personal and business expenses might seem harmless at first, but it can quickly lead to headaches during tax season or if your business is ever audited.
Let’s say you buy inventory and also have personal grocery expenses. If these are mixed on the same card, tracking your cost of goods sold (COGS) becomes a nightmare. With a business card, inventory purchases are easy to categorize and report. Let’s break the importance of that separation down further:
- Tax Preparation: With a dedicated business card, all your business expenses are in one place, making it easy to pull statements and hand them over to your accountant. No more sorting through personal purchases to find deductible expenses.
- Legal Protection: If your business is an LLC or corporation, keeping finances separate helps maintain your “corporate veil,” which protects your personal assets in the event of legal issues.
- Professionalism: Having a business credit card signals that you take your Amazon business seriously, which can be important if you’re seeking partnerships or investor interest.
Improve Cash Flow
Cash flow is the lifeblood of any e-commerce business, and Amazon sellers often face delays between purchasing inventory and receiving Amazon payouts. Most business credit cards give you at least 30 days to pay your balance, with some giving even longer periods. This gives you breathing room to receive your Amazon disbursement before payment is due.
Better cash flow also means better inventory management, as you can stock up on products ahead of busy seasons without immediately draining your cash reserves. What’s more, if an urgent restock opportunity or sudden advertising push arises, a business credit card can give you the flexibility to act without scrambling for funds.
Earn Rewards
As an Amazon seller, you’re already spending money on essentials like inventory, shipping, tools, and advertising. With the right business credit card, those necessary expenses can start working for you. Some cards offer 1–5% cashback, which can return hundreds or even thousands of dollars annually depending on your spend.
If you attend trade shows, source internationally, or travel for supplier meetings, card travel rewards can offset airfare and hotel costs. Some cards even offer extra points for online advertising (think Amazon PPC, Facebook ads, Google Ads) or shipping services, which are both major expense categories for sellers.
Build Business Credit
Your business’s credit profile is separate from your personal credit. By using a business credit card responsibly, you can strengthen that profile over time. A strong business credit score can help you qualify for lower interest rates and better terms on lines of credit, SBA loans, or equipment financing.
Note that some suppliers may check your business credit before offering trade terms, so having good credit on a separate card can lead to net-30 or net-60 terms, giving you even more flexibility.
Tips for Managing Your Business Credit Card Wisely
Getting a great card is only half the battle. Managing it well can make or break your experience.
- Pay in full whenever possible: Avoid interest unless you’re intentionally using a 0% intro APR offer.
- Track spending by category: Helps you understand where rewards are coming from and where you can optimize.
- Set spending limits for employee cards: Many cards let you issue multiple cards with individual caps.
- Integrate with accounting tools: Automate reconciliation by syncing with QuickBooks, Xero, or your favorite app.
Conclusion
So which credit card is best for Amazon? Choosing the best business credit card as an Amazon seller is all about aligning your card’s features with your business goals. Whether you’re just planning for Q4 or looking to optimize your ad spend, there’s a card on this list that can help you earn more, save time, and run your Amazon business more smoothly.
A business credit card is a useful tool for Amazon sellers. If you’re looking for other ways to accelerate your growth in Amazon, consider cleaning up your review profile to attract more potential customers and increase sales. TraceFuse can scan your listings for suspicious negative reviews and report them to Amazon immediately for fast removal. Schedule a demo today to see how we can help you protect your brand reputation!
