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Becoming an Amazon FBA seller is one of the most interesting, unique businesses you can start. FBA stands for Fulfillment by Amazon, and it’s a program offered by Amazon to third-party merchants that allows you to get your products on Amazon’s website and leverage its global fulfillment network to scale your e-commerce business.
This is a huge simplification, but lots of people have made a healthy living, even small fortunes with Amazon FBA, and it is built on one of the most trusted brands in the world.
If you have an Amazon FBA business, you should know the best credit cards to use to make the most of your business spending.
We’ll show you all the best choices to help you make a decision that rewards your business as much as possible. Let’s take a deep dive into the best cards for Amazon FBA sellers!
What To Look For in a Business Credit Card for Amazon FBA Sellers
If you’re an Amazon FBA seller, you can save on resources you’d normally have to manage yourself if you were selling goods on a different platform.
For example, Amazon FBA sellers use Amazon’s customer service and returns network, free shipping, and so much more.
In return, Amazon charges selling plans (based on the number of units sold), referral fees (usually between 8% to 15%), fulfillment fees, and other incremental costs.
So what do you have to pay for?
The biggest costs for Amazon FBA sellers besides Amazon fees will likely be on inventory, advertising within Amazon (similar to Google Ads), and packing supplies (to send your products to Amazon).
Ideally, you want to find a card that rewards you on all 3 of the above items, but this probably isn’t possible. The next best thing is to pick a card that rewards you in the categories you happen to spend the most on!
Let’s start with some cards that you should avoid. You should not use these cards for most Amazon seller transactions:
You’ll only earn bonus cash-back on purchases at Amazon.com, not for any seller fees or Amazon Advertising purchases.
Now that we’ve got that out of the way, let’s chat about the best cards for Amazon FBA sellers.
The 7 Best Overall Business Cards for Amazon FBA Sellers
The best overall cards for Amazon FBA are the ones that offer large bonus categories on advertising, packing supplies, and inventory.
Because inventory categories will vary widely depending on what you’re selling on Amazon, we won’t focus on those expenses.
As an Amazon FBA seller, you’re probably spending a large sum of money on advertising costs. Amazon has an internal media company called Amazon Advertising that allows you to advertise on Amazon.com, similar to Google Ads’ pay-per-click (PPC) system.
Luckily, American Express and Chase both count Amazon Advertising as an eligible advertising merchant, which is great news.
And while Amazon will take care of fulfilling the goods to the customer, you’ll still need to procure, package, and send the products to an Amazon warehouse/fulfillment center. So you’ll probably be buying a lot of boxes, packing materials, tape, and more.
Cards that offer bonus rewards on these categories in addition to other important benefits such as fraud and purchase protection will be the secret to maximizing your rewards as an Amazon FBA seller.
4x points on the 2 categories where your business spends the most, up to $150,000 in combined purchases every calendar year (includes U.S. purchases for advertising in select media and U.S. shipping purchases)
NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
Annual fee of $95
3x points on select business categories, up to $150,000 in combined purchases every cardmember year (includes ads purchased with search engines or social media sites and shipping)
1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year)
No preset spending limit
Access to over 1,400 worldwide lounges, including Amex Centurion Lounges, Priority Pass (upon enrollment), and more
Earn $750 cash-back after spending $6,000 on purchases in the first 3 months.
Annual fee of $0
5% cash-back at office supply stores and cellular phone, landline, internet, and cable TV services, up to $25,000 in combined purchases every cardmember year
The Amex Business Gold card is our absolute favorite card for Amazon FBA sellers because of its ability to earn 4x points on a variety of relevant categories. This card offers a huge welcome bonus to start.
After that, earn 4x Membership Rewards points on up to $150,000 in combined purchases every calendar year on the 2 categories where your business spends the most every billing statement from the categories below:
Airfare purchased from airlines
U.S. purchases for advertising in select media
U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
U.S. purchases at gas stations
U.S. purchases at restaurants
U.S. purchases for shipping
Amazon Advertising counts under advertising in select media, which is incredible news!
Additionally, this card has no preset spending limit, and your 4x categories are automatically determined for you every month based on your spending activity!
Lastly, enjoy travel insurance, purchase protection, extended warranty coverage, and no foreign transaction fees (rates and fees).
Why We Like Earning Amex Membership Rewards Points
We think Amex Membership Rewards is the most valuable points currency, worth around 2.2 cents per point. That means you can earn a whopping 8.8% return on spending when you use the Amex Business Gold card!
Bottom Line: Overall, the Amex Business Gold card is one of the kings of business cards thanks to its ability to earn 4x points on numerous bonus categories, including an advertising category under which Amazon Advertising counts, a huge welcome bonus, and numerous other benefits.
2. Ink Business Preferred® Credit Card
Our runner-up is the Ink Business Preferred card, which is one of Chase’s most popular business credit cards for good reason!
This credit card packs a ton of benefits into a business credit card, and it will surely allow you to scale your business while also scaling your rewards.
The Ink Business Preferred card currently has a generous welcome bonus, and the bonus alone could be worth at least $2,000 according to our points and miles valuations.
On top of this massive bonus, you will earn 3x Ultimate Rewards points per dollar spent on up to $150,000 in combined purchases every cardmember year on the following bonus categories:
Internet, cable, and phone services
Shipping expenses
Travel
Ads purchased with search engines or social media sites
Let’s talk about the last bonus category. Because of how flexible the bonus category is, Amazon Advertising purchases code to the advertising category.
By maxing out the $150,000 in 3x earning, you could earn 450,000 Ultimate Rewards points, worth around $9,000.
The Ink Business Preferred card also offers fantastic cell phone protection insurance if you tend to lose or damage your phone often. This policy allows you to get reimbursed up to $1,000 per claim up to 3 times per year with a $100 deductible per claim!
The credit card also offers purchase protection, primary rental car insurance, extended warranty coverage, and travel insurance.
You’ll earn 5x points on flights and prepaid hotels at Amex Travel, and 1.5x on eligible purchases in key business categories (including shipping providers), as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).
If you’re a prolific drop-shipper with large expenses, the next benefit of flexible spending is absolutely essential.
The Amex Business Platinum card isn’t a normal card because it doesn’t have a preset spending limit. One of the small issues with the Ink Business Preferred card is that you might hit the maximum credit limit if you have a big drop-shipping business.
With the Amex Business Platinum card, your spending limit adjusts fluidly to accommodate your spending habits, and this results in potentially huge spending power, as long as Amex thinks you’re able to pay off your bills in full.
4. Ink Business Cash® Credit Card
The Ink Business Cash card is a fantastic credit card for small business owners just starting in their niche.
This card is spectacular for those looking for mega rewards and no annual fee, and those who are fine without travel benefits like lounge access or supplementary insurance policies like cell phone protection.
If you’re laser-focused on a card that rewards you for your spending and aren’t interested in the other fringe benefits, this card could be a great choice for you.
The Ink Business Cash card will earn you 5% cash-back on up to $25,000 spent in combined purchases every account anniversary year in the following categories:
Office supply stores
Cellular phone, landline, internet, and cable TV services each account anniversary year
The first category could amount to a huge portion of your overall business spending because you need to procure packing materials to ship your goods to Amazon fulfillment centers.
You’ll also earn 2% cash-back on up to $25,000 spent in combined purchases at gas stations and restaurants, as well as 1% cash-back elsewhere.
You’ll enjoy a 0% introductory APR period, as well as travel insurance, purchase protection, and no-additional-cost employee cards.
And if you have an Ultimate Rewards card such as the Chase Sapphire Preferred® Card, you can convert your 5%, 2%, and 1% cash-back to 5x, 2x, and 1x Ultimate Rewards points, which would double your return on spending.
5. The Blue Business® Plus Credit Card from American Express
The Amex Blue Business Plus card is one of the most rewarding business credit cards out there. The credit card offers 2x Membership Rewards points for the first $50,000 in purchases per account year, and then 1x points thereafter.
This card gets you access to Membership Rewards without an annual fee, and you’ll also receive purchase protection, extended warranty protection, and the ability to add employee cards at no additional cost (rates and fees).
We love this card because it comes with a huge welcome bonus right off the bat without an annual fee!
On top of the bonus, you can earn an unlimited1.5% cash-back on your purchases, regardless of spending categories.
If you have an Ultimate Rewards credit card such as the Chase Sapphire Preferred card, your 1.5% cash-back is convertible to a 1.5x Ultimate Rewards points earning structure, which then becomes worth a 3% return on spend.
You’ll also enjoy a great 0% introductory APR benefit, zero liability protection, fraud alerts, no-additional-fee employee cards, and excellent travel coverages such as primary rental car collision damage coverage.
Lastly, you’ll enjoy purchase protection and extended warranty protection when shopping for your business.
7. The American Express Blue Business Cash™ Card
Not interested in points or travel? The Amex Blue Business Cash card offers solid cash-back rewards without the complexity of points.
This card earns 2% cash-back on all eligible purchases up to $50,000 per calendar year, then 1%. All cash-back earned is automatically credited to your statement.
You can then use the cash back to reinvest in your business. Additional benefits include travel insurance, purchase protection, extended warranty coverage, and much more.
Final Thoughts
There are numerous credit cards that offer rewards for your Amazon FBA business. However, you should always avoid Amazon’s co-branded credit cards because these cards will not offer you bonus cash-back on Amazon seller fees or Amazon Advertising purchases.
Our absolute favorite card is the Amex Business Gold card that can earn you 4x points, worth an 8.8% return on spend.
There are other fantastic card choices including the Ink Business Preferred card, but you’ll need to keep in mind that the Amex Business Gold card’s 4x points are superior to the Ink Business Preferred card’s 3x points.
We hope that you found this guide useful to help you pick out the best credit cards for your Amazon FBA business!
For the purchase protection and extended warranty benefit of the Amex Business Gold card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the purchase protection and extended warranty benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the purchase protection and extended warranty benefit of The Blue Business® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the purchase protection and extended warranty benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. The information regarding the Amazon Business American Express Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Amazon Business Prime American Express Card, click here. For rates and fees of the American Express® Business Gold Card, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of The Blue Business® Plus Credit Card from American Express, click here. For rates and fees of The American Express Blue Business Cash™ Card, click here.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
The Amazon cards issued by American Express and Chase are great for Amazon purchases (for example, at AWS or Amazon.com), but it’s not a good idea to pay for Amazon FBA seller fees or Amazon Advertising on these cards.
The best credit card for FBA sellers is the Amex Business Gold card which offers 4x points on select business categories, including advertising.
This reward structure is equal to a return of around 8.8%, but this number can be much higher depending on how you redeem your points.
The best credit card for small business owners will depend on where you spend most of your money as a business.
For advertising, the absolute best winners are the Amex Business Gold card and the Ink Business Preferred card.
For travel, you’ll find tons of value in the Amex Business Platinum card.
For small businesses who need low-fee options and the ability to earn lots of rewards quickly, the Amex Blue Business Plus card and the Ink Business Unlimited card offer unfussy rewards, no annual fees, and the potential to convert those points into incredible value when booking luxury travel.
Yes. The Amazon Business Amex card and Amazon Business Prime Amex card are both business credit cards. You can earn cash-back on categories including Amazon Business, Amazon.com, AWS, and more.
As with starting any business, it depends! If you have the ability to invest time and money, then Amazon FBA selling has much lower barriers to entry than traditional businesses.
Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
2 comments
Jack B
September 10, 2021
“If you have an Ultimate Rewards credit card like the Chase Sapphire Preferred card, your 1.5% cash-back is convertible to a 1.5x Ultimate Rewards points earning structure, which then becomes worth a 3% return on spend.”
Is this accurate? I assumed 1.5 points at 1.5x bonus effectively equals 2.25?
Yes and no. If you use your Ultimate Rewards points through the Chase Travel Portal with the Chase Sapphire Reserve card, with the 50% bonus 1.5 points would be worth 2.25 cents. However, we value Ultimate Rewards points at 2 cents per point because of their ability to be used with airline and hotel transfer partners (like Hyatt and United), which allows you to get value that greatly exceeds 2 cents. But given that, 1.5 points to us would be worth 3 cents at a 2 cent per point valuation.
I hope that makes sense!
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
![The 7 Best Business Credit Cards for Amazon FBA Sellers [2023]](https://upgradedpoints.com/wp-content/uploads/2021/01/Collection-of-Business-Credit-Cards-3-Upgraded-Points-LLC.jpg?auto=webp&disable=upscale&width=1420&height=650&fit=crop)
2 comments
Jack B
September 10, 2021
“If you have an Ultimate Rewards credit card like the Chase Sapphire Preferred card, your 1.5% cash-back is convertible to a 1.5x Ultimate Rewards points earning structure, which then becomes worth a 3% return on spend.”
Is this accurate? I assumed 1.5 points at 1.5x bonus effectively equals 2.25?
Jarrod West
September 10, 2021
Hi Jack,
Yes and no. If you use your Ultimate Rewards points through the Chase Travel Portal with the Chase Sapphire Reserve card, with the 50% bonus 1.5 points would be worth 2.25 cents. However, we value Ultimate Rewards points at 2 cents per point because of their ability to be used with airline and hotel transfer partners (like Hyatt and United), which allows you to get value that greatly exceeds 2 cents. But given that, 1.5 points to us would be worth 3 cents at a 2 cent per point valuation.
I hope that makes sense!
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
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