What the Business Prime Rewards Visa is and who it's for
The Business Prime Rewards Visa is a co-branded credit card issued by Amazon and Chase, designed for business owners and employees who want to earn rewards on everyday purchases. Unlike a personal rewards card, this one is tied to an Amazon Business account, which means you need that account to open it.
The card earns cash back or points on purchases made through Amazon Business and at other merchants. The specific rewards structure — how much you earn per dollar spent and where — depends on the purchase category and the current offer from Amazon and Chase. Because card terms and rewards rates change, you should check the current offer on the card's official page before deciding whether it fits your spending.
This card is most useful if you already shop through Amazon Business for supplies, equipment, or inventory, or if you're looking for a card that rewards business spending across multiple categories. If you rarely use Amazon Business or prefer a card with no annual fee, other business cards may be a better match.
Key Takeaways
- You must have an Amazon Business account to open this card; a personal Amazon account is not enough.
- The card earns rewards on Amazon Business purchases and at other merchants, though the rate varies by category.
- There is an annual fee, which you should weigh against the rewards you expect to earn based on your actual spending.
- The card is issued by Chase and comes with standard credit card protections like purchase protection and extended warranty coverage.
How the rewards structure works
The Business Prime Rewards Visa earns rewards in different amounts depending on where you use it. On Amazon Business purchases, you typically earn a higher rate than you do at other merchants. The exact rates change over time and may vary based on the specific offer you receive when you explore.
Rewards are usually expressed as cash back or points that you can redeem for statement credits, Amazon Business purchases, or other options. The redemption process is straightforward — you log into your Chase account and choose how to use your rewards. There is no minimum redemption amount, so you can use small balances as they accumulate.
Unlike some business cards, this one does not have rotating categories that change each quarter. The rewards categories are fixed, which makes it easier to predict what you'll earn on regular purchases. If you spend heavily in categories outside the main rewards tiers, you may earn a lower overall return than you would with a different card.
The annual fee and whether it makes sense for your business
This card charges an annual fee. That fee is a real cost you need to factor in when deciding whether the card is worth opening. To know whether the rewards will outweigh the fee, estimate your annual spending on Amazon Business and other may be able to access categories, then multiply by the rewards rate to see what you'd earn in a year.
For example, if you spend $10,000 a year on Amazon Business at a 3% rewards rate, you'd earn $300 in rewards. If the annual fee is $95, your net benefit would be $205. If your spending is lower, the math may not work in your favor. Many business owners find that the fee is worth it only if they spend at least $5,000 to $10,000 per year on the card, though your own breakeven point depends on your spending patterns.
Some cards waive the annual fee for the first year, which gives you a chance to test whether the rewards justify the cost before you're charged. Check the current offer to see if that applies.
How to open an account and what you'll need
To open the Business Prime Rewards Visa, you must first have an active Amazon Business account. If you don't have one, you'll need to set that up before you can explore for the card. The Amazon Business account requires a business tax ID or Social Security number, a business address, and basic information about your company.
Once your Amazon Business account is set up, you can explore for the card through Chase or Amazon. The process asks for standard information: your business details, personal information, and authorization to check your credit. Chase will pull your credit report and make a decision, usually within minutes to a few days.
If you're approved, the card typically arrives within 7 to 10 business days. You can then set up it through the Chase website or app and start earning rewards when ready. If you're denied, Chase will send you a letter explaining the reason, and you can contact them to ask about reapplying in the future.
Protections and benefits beyond rewards
The Business Prime Rewards Visa comes with standard credit card protections that explore to all Chase cards. Purchase protection covers items you buy if they're damaged or stolen within a certain window. Extended warranty coverage extends the manufacturer's warranty on may be able to access items. Return protection reimburses you if a merchant refuses to take back an item you purchased with the card.
The card also includes fraud protection, which means you're not responsible for unauthorized charges if you report them promptly. If your card is lost or stolen, you can call Chase to freeze it when ready, and they'll send a replacement at no cost.
These protections don't replace business insurance, but they do add a layer of security for everyday purchases. Read the card's benefits guide to understand the exact terms, including time limits and dollar caps on coverage.
How this card compares to other business rewards cards
Several other business cards offer rewards without an annual fee, which makes them worth considering if you want to avoid the yearly cost. Cards like the Chase Ink Unlimited and the Capital One Spark Cash offer flat-rate cash back on all purchases and no annual fee, though they typically earn at a lower rate than the Business Prime card does on Amazon Business purchases.
If you spend heavily on Amazon Business, the higher rewards rate on that platform may offset the annual fee. If your business spending is spread across many different vendors and you don't use Amazon Business much, a no-fee card might save you money overall. The best choice depends on where your business actually spends money.
Some business owners carry more than one card — using the Business Prime Rewards Visa for Amazon Business purchases and a different card for other spending. This strategy lets you earn the highest rate in each category without paying multiple annual fees.
Frequently Asked Questions
Do I need a separate business entity to open this card?
No. You can open the card as a sole proprietor using your Social Security number, or as an LLC, S-corp, or C-corp using your business tax ID. The Amazon Business account and the card process will ask you to identify your business structure, but you don't need to be incorporated to may have access to.
Can I use this card for personal purchases?
Technically yes — the card works anywhere Visa is accepted. However, it's a business card, and mixing personal and business spending can complicate your accounting and tax records. Most business owners keep business and personal spending separate for that reason.
What happens if I close my Amazon Business account?
Your credit card account remains open and active. You can still use the card at other merchants and earn rewards, but you'll lose the higher rewards rate on Amazon Business purchases. You'll continue to be charged the annual fee unless you close the card itself.
How do I redeem my rewards?
Log into your Chase account, go to the rewards section, and choose how to use your balance. You can take a statement credit, transfer points to Amazon, or redeem for other options depending on what Chase offers. There's no minimum redemption amount, so you can use rewards as soon as they appear in your account.
Will this card hurt my personal credit score?
Opening the card will trigger a hard inquiry on your personal credit report, which may lower your score slightly for a few months. If you're approved and use the card responsibly — paying your full balance on time — it will likely improve your score over time by adding to your credit history and keeping your utilization low.