Amazon business credit cards in the UK: what's available

Shop a lot on Amazon for your business? You may be glad to know there are Amazon-branded business credit cards available in the UK, which reward Amazon spend at a higher rate than everything else. 

Here we’ll go over how they work, what differences they have compared to other business credit cards and how to tell if they’re right for your business. 

All Amazon and American Express product details below are taken from Amazon's own card listing, and were correct as of July 2026. Rates, fees and terms can change and vary by circumstances, so it's worth confirming the latest details directly with American Express and Amazon before applying.

Is there an Amazon business credit card in the UK?

There are two, and the difference comes down to Business Prime membership.

The Amazon Business American Express Card has a £50 annual fee, waived in the first year. You choose, per purchase, 1.5% Amazon Rewards points on eligible spend at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, or an extended 60 days to pay. Spend outside Amazon earns 0.5%. The 1.5% rate applies to the first £120,000 of eligible Amazon spend each calendar year, then drops to 1%.

The Amazon Business Prime American Express Card needs a Business Prime membership. It raises the Amazon rate to 2% on the same cap and extends the payment option to 90 days. The £50 annual fee is waived in the first year, and waived again in any year following one where you spent £8,000 or more.

Two conditions apply to both. You need to choose extended payment terms in advance through your Amazon account pages, and purchases on extended terms don’t earn rewards and or count towards the £120,000 cap. Rewards are points, redeemable at checkout on Amazon.co.uk and Amazon Business UK or applied against your statement.

What Amazon Business offers vs a standalone credit card

Amazon Business is a purchasing account, not a payment product. That means it gives you business-only pricing, multi-user accounts and a clean split between company and personal orders. You don't need a co-branded card, and any UK business card works.

A standalone business credit card is the payment method itself, and works with Amazon Business and every other supplier. The co-branded cards sit in between: ordinary American Express business credit cards with an Amazon rewards layer on top, giving you extra benefits for a particular supplier.

How businesses pay on Amazon Business

Most UK businesses pay on Amazon Business with a standard business debit or credit card, as they would with any other online supplier. 

The co-branded Amex cards add two Amazon-specific options: the higher rewards rate on Amazon spend, and the 60 or 90 day extended payment terms. Those push the payment date out on individual purchases rather than across your whole balance.

These are American Express cards, so they work wherever Amex is accepted. If some suppliers sit outside that network, check before you apply.

Using a business credit card for Amazon and other spend

A general business credit card earns on everything you buy, not just what you buy from one retailer. For most small businesses, Amazon is one line in a longer list that includes stock, fuel, software subscriptions, professional fees and travel.

That matters for the maths on which card is right for you. 

A card paying a high rate at one supplier and a low rate everywhere else rewards you in proportion to how concentrated your spending is. A card paying one rate across everything rewards you in proportion to how much you spend.

What to look for in a card for online and supplier spend

A handful of features do most of the deciding.

Cashback, interest-free period and eligibility

Look at what the reward actually is. Cash paid back to your account is usable anywhere. Points tied to one retailer are only worth what you can redeem them for, and only if you shop there. Check any caps, exclusions, and whether the headline rate drops after a threshold or period.

• Interest-free period: Most business credit cards give a grace period between the purchase and the payment date, and only if you clear your balance in full and on time. This is not a 0% introductory offer, and the two are easily confused.

• Annual fees: Some business credit card fees are flat, some are waived in year one, some are waived if you hit a spending threshold. Fees, rates and terms vary between providers and between customers, so read the current published terms.

• Eligibility: Some providers accept sole traders, some serve limited companies only, and minimum turnover requirements differ. It’s worth doing an eligibility check before applying.

Funding Circle's business cashback card

The Funding Circle Cashback business credit card turns spend into savings on everything you buy for your business, from stock and travel to software and team lunches. 

It also pays cash rather than points, so your rewards aren't tied to one retailer, and you can spend online or in-store anywhere Visa is accepted. 

• Market-leading 2% cashback on all card purchases for the first 6 months or up to £2,000, whichever comes first

• Then 1% uncapped cashback on everything you spend after that, credited to your balance automatically each month

• Up to 42 days interest-free credit for complete cash flow freedom

• No annual fee, no hidden costs and no foreign exchange fees

• Credit limits up to £250,000

• Free unlimited Company Cashback cards for your whole team

• Securely sync your card with Sage, Xero or FreeAgent

Got a cost too big for a card? FlexiPay from Funding Circle is your cash flow companion. Pay pretty much any business cost upfront by card or cash transfer, then split it over 1, 3, 6, 9 or 12 months for one simple fee from 1.99% per use.

Amazon Business Credit Card FAQs

Is there an Amazon business credit card in the UK?

Yes. Two Amazon-branded business credit cards are available to UK businesses, both issued by American Express: the Amazon Business American Express Card and the Amazon Business Prime American Express Card. Amazon acts as credit broker rather than lender. 

Can I use a business credit card on Amazon Business?

Yes. An Amazon Business account accepts standard business credit and debit cards, so any UK-issued business credit card works there alongside every other supplier. A general card earns cashback or rewards on that spend too.

What's better, a store card or a general business card?

It depends on how concentrated your spending is. A retailer-linked card pays its highest rate at one supplier and a lower rate everywhere else, so it suits businesses that buy heavily from that retailer. A general business card earns the same rate across all spend, which suits businesses buying from a range of suppliers.

Disclaimer

04/08/26 – While we want to help as much as we can, the information found here is provided solely for informational purposes and should not be considered financial or legal advice. To the extent permitted by law, Funding Circle does not accept any liability for any loss or damage which may arise directly or indirectly from the use of, or reliance on, the information contained here. All information is correct at time of publishing, and customers should do their own research before making financial decisions. If you have any questions, please speak to your professional adviser or seek independent legal advice.