May 10, 2019

Amazon Business Prime American Express Card Review

The first co-branded Amazon business card, this offering from Amazon and American Express is a relatively new credit card option for small business owners.

As with many cards, the Amazon Business Prime Card has its own specific niche.

Unsurprisingly, it’s aimed at businesses that frequently buy items on Amazon.com or make other purchases under the Amazon banner, such as on Amazon Web Services or at Whole Foods Market.

With a very generous reward rate for purchases in featured categories, this card could be an excellent option for businesses that make regular online purchases or require cloud services.

Would the Amazon Business Prime American Express Card be a good fit for your business? Find out below.

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Amazon Business Prime American Express Card At A Glance

=> Eligibility

While Amazon hasn’t revealed the specific credit requirements for this card, you usually need to have good credit or better when applying for American Express cards.

That means you’ll probably want to carry a credit score of 640 or above before applying for the Amazon Business Prime Card.

Don’t know your credit score? Find out for free by visiting one of our favorite credit score sites.

Also note that having an Amazon Prime membership is not required for this card. However, if you have an eligible Prime account, you will be able to increase the number of rewards you can earn.

=> Rewards & Fees

1. Amazon Business Prime American Express Card Bonus Offer

This card’s welcome offer is pretty straightforward: once you’re approved, you’ll get a $125 gift card for Amazon.com. The only caveat is that you’ll need an eligible Amazon Prime account to receive the gift card.

While this offer isn’t the best around when it comes to business card welcome bonuses, $125 is nothing to sneeze at—especially if you frequent Amazon for business purchases.

2. Amazon Business Prime American Express Card Ongoing Rewards

Unlike many credit cards, the Amazon Business Prime Card lets you customize your rewards to your liking.

If you have an eligible Amazon Prime membership, you can choose to receive 5% back or an extra 90 days of interest-free payment terms when you purchase from Amazon.com, Amazon Business, AWS, or Whole Foods Market.

If you don’t have a Prime membership, your options are 3% back or 60-day terms on purchases from those places.

The extra 90 or 60 day terms are especially nifty if you need additional time paying off a specific purchase.

After selecting the payment terms option at checkout, you’ll get 90 or 60 days to pay off the purchase without interest.

Beyond those Amazon-specific rewards, you’ll also earn 2% back on purchases at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. For all other purchases, expect to get 1% back.

3. Amazon Business Prime American Express Card Introductory Period

There is no intro period for the Amazon Business Prime Card’s APR. While this is somewhat disappointing, it’s far from rare. Of course, you won’t need to worry about APR as long as you pay your balance of regularly.

4. Amazon Business Prime American Express Card APR

For APR, you’ll have to pay between 16.24% and 24.24%, based on your creditworthiness when you open your account. This rate is variable and can change depending on how the prime rate fluctuates.

There is also a penalty APR of 29.99% if you make a payment that is returned, make 2 late payments in 12 months, or fail to post the minimum payment during the period it is due.

If you must do a cash advance, expect an APR of 26.99%. This rate is also variable.

5. Amazon Business Prime American Express Card Fees

There are no annual fees for the Amazon Business Prime Card. However, to take full advantage of the card’s rewards, you’ll need an eligible Amazon Prime membership.

Eligible membership options include a personal Prime account ($119 per year), a Student Prime membership ($59 per year for active students), or a Business Prime membership (starts at $179 per year for three users).

Because a Prime membership increases your rewards rate from 3% to 5% on purchases under the Amazon banner, you’ll need to spend around $6,000 annually to recoup the cost of Prime with your card alone.

Of course, Prime comes with its own array of benefits, including two-day free shipping, access to Prime Video and Music, exclusive deals, and more.

It’s also worth mentioning that the $125 welcome Amazon.com gift card covers one year of a personal Prime membership.

This means that Amazon’s premium membership may be well worth it, even if you won’t be breaking that $6,000 mark on Amazon purchases.

There are no foreign fees, although for cash advances you’ll have to pay either $5 or 3% of the amount of each cash advance, whichever is higher.

=> Redeeming Rewards

Your rewards will be allotted to you as Amazon Reward Points. These points can then be used during checkout at Amazon.com and Amazon Business (U.S.) when you use your Amazon Business Prime Card.

You can apply any or all of your points to the purchase and the remaining balance will be charged to your card.

=> Other Benefits

This card comes with the gamut of standard credit card benefits, including employee cards, ability to connect to QuickBooks, and a spending manager.

You’ll also get purchase and return protection alongside extended warranty. If you’re traveling, you can also take advantage of the card’s car rental loss and damage insurance as well as insurance plans for travel accidents and baggage.

Additionally, there’s a Global Assist Hotline and roadside assistance available.

=> Final Verdict

While this card won’t be for everyone, Amazon’s credit card offering is an excellent choice for a specific niche of small businesses.

Even for businesses outside that frequent-Amazon-buying-niche, it could still be worth a second look.

If you’re looking for a secondary credit card, this could be a solid option that you whip out whenever you buy something on Amazon.com.

Is the Amazon Business Prime American Express Card right for your business? You might want to apply for this card if:
  1. You shop on Amazon.com frequently or use other services that fall under the Amazon banner, such as Amazon Business, AWS, or Whole Foods Market.
  2. You occasionally need extra time to pay off a balance for purchases.
  3. You’re looking for a second card with great rewards to buy items on Amazon.com
On the other hand, you might want to pass if:
  1. You rarely shop on Amazon.com, Amazon Business, AWS, or at Whole Foods Market.
  2. You plan on making a large purchase soon and need an intro APR period.

Posted by: Glenn Coulter at 07:22 AM | Comments (1) | Add Comment
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February 03, 2019

How to cancel Amazon Prime

Amazon Prime is a lot. For either $13 month to month or $120 per year the retailer's paid membership benefit offers various livens well beyond the free two-day transporting (and even same-day benefit where accessible). 

You likewise get a lot of additional items, similar to Amazon Prime motion pictures and shows.

However, you may discover the cost unjustified, particularly on the off chance that you aren't utilizing Amazon that much and cost increments don't help, similar to the latest bounce for new individuals that produced results in January 2019.

Or on the other hand perhaps you got your fill of Prime Day arrangements, and now you're prepared to proceed onward.

 In any case, Amazon has made it too simple to drop, and the retailer may even give you a halfway or full discount contingent upon the amount you utilized your Prime enrolment.

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STEP 1: FIND YOUR SETTINGS

The primary activity is to make a beeline for Amazon.com, and sign into the Amazon Prime record you wish to drop.

When you're there, float over the "Records and Lists" catch in the upper-right corner underneath your name, which will give you a somewhat long drop-down menu. 

From that point, select "Your Prime Membership" from the accessible alternatives.

STEP 2: KNOW WHAT YOU'RE GIVING UP

That takes you to your Prime enrolment account page, with data on the advantages included. Investigate the advantages to ensure there's nothing you will miss.

When you're certain you need to drop, investigate on the left-hand side — you'll see your participation data and when Prime is set to restore. Underneath that, you'll see a possibility for "End Membership and Benefits." Click that, and you'll be taken to a page that begins the cancellation procedure.

STEP 3: CONFIRM THE CANCELLATION

Next, you will be given a couple of choices, alongside another chance to survey the advantages that you lose on the off chance that you drop. 

On the off chance that your record is fixing to other Amazon properties, for example, Twitch, you'll see those recorded here also.

Obviously, Amazon makes a major play to attempt and keep you, however on the off chance that you're resolved to proceed with your wiping out, you do have two or three options. 

To drop your enrollment toward the finish of this charging period — to make utilization of Prime up until that point — click "Remind Me Later." If you would preferably get things over with now and possibly get a discount, click "End My Benefits."

The sum discounted, assuming any, depends on your utilization and time left. So on the off chance that you scarcely utilized Prime and paid ahead of time for an entire year, you will see a greater discount.

While a record near re-establishment will see less back. In the event that you click "Keep My Benefits," you'll be come back to the Prime record page without cancellation.

FINAL NOTES

Keep in mind that when you drop, despite everything you're viewed as a client. In this way, your Amazon account is as yet dynamic.

 This implies on the off chance that you agree to accept Prime once more, you should pay the $120 for a year, or $13 for multi month, immediately. 

Be that as it may, you are qualified for a free Prime preliminary like clockwork, so if it's been a while you might have the capacity to spare a little by beginning with the preliminary.

Note: These means can marginally in the event that you have a special membership circumstance.

 For instance, on the off chance that you have a limited Prime Student enrolment you can in any case drop utilizing the means above, albeit a portion of the dialect might be somewhat unique. 

Be that as it may, you won't have the capacity to experiment with the half year Prime Student preliminary enrolment, regardless of to what extent you pause. 

Also, your capacity to get a discount might be influenced.

Posted by: Glenn Coulter at 11:16 AM | No Comments | Add Comment
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