Best Credit Cards for Amazon Sellers in 2025: A Complete Guide

Amazon FBA sellers spending $5,000+ monthly on inventory can significantly boost their profitability through the strategic selection and use of credit cards. In this post we'll analyze how choosing the right business credit cards can provide:

• 2-5% cash back on inventory purchases and advertising spend
• 0% introductory APR periods up to 21 months for inventory financing
• Welcome bonuses worth $500-$2,000 in cash or travel rewards
• Enhanced cash flow management with extended payment terms
• Business expense tracking and accounting integration

Top 3 Cards for Amazon Sellers:

1. Chase Ink Business Preferred - Best for advertising spend (3x points)
2. Capital One Spark Cash Plus - Best for high-volume inventory (2% unlimited)
3. American Express Business Gold - Best for flexible rewards (4x points on top categories)

Financial Disclaimer: This content is for educational purposes only and does not constitute financial advice. Credit products involve risk, and approval depends on creditworthiness. Consult with financial professionals before making credit decisions.

Top 5 Business Credit Cards for Amazon Sellers

*Fee waived with $150,000 annual spending

Detailed Feature Comparison

How We Selected the Best Credit Cards for Amazon Sellers

During our evaluation we considered the needs of Amazon FBA sellers, analyzing over 40 business credit cards across multiple criteria:

Primary Evaluation Criteria

Amazon-Specific Benefits (40% weight)

• Rewards on advertising spend (Amazon PPC)
• Inventory purchase rewards and financing options
• E-commerce platform integration and expense tracking
• International transaction fees for overseas suppliers

Financial Terms (30% weight)

• Annual Percentage Rates (APR) and introductory periods
• Credit limits suitable for inventory investments
• Annual fees relative to benefits provided
• Foreign transaction fees for international sourcing

Business Features (20% weight)

• Employee card management and spending controls
• Integration with accounting software (QuickBooks, Xero)
• Expense categorization and reporting tools
• Customer service quality for business accounts

Rewards Structure (10% weight)

• Welcome bonus value and spending requirements
• Ongoing rewards rates and redemption flexibility
• Transfer partners for travel rewards
• Cash back vs. points value proposition

Seller Profile Considerations

We segmented our analysis based on common Amazon seller profiles:

• New Sellers ($5K-$15K monthly spend): Focus on 0% APR and credit building
• Established Sellers ($15K-$50K monthly spend): Emphasis on rewards optimization
• Enterprise Sellers ($50K+ monthly spend): Premium cards with high limits and concierge services

Best Cards for New Amazon Sellers (Under $15K Monthly Spend)

1. Chase Ink Business Unlimited® Credit Card

Best Overall for New Sellers

The Chase Ink Business Unlimited stands out as our top recommendation for new Amazon sellers due to its combination of simplicity, generous welcome bonus, and extended 0% APR period.

Key Features:

• Welcome Bonus: $750 cash back after spending $6,000 in first 3 months
• Rewards Rate: Unlimited 1.5% cash back on all purchases
• Introductory APR: 0% for 12 months on purchases
• Annual Fee: $0
• Foreign Transaction Fee: 3%

Amazon Seller Benefits:

• No category restrictions mean full rewards on inventory purchases
• 12-month 0% APR provides crucial cash flow flexibility for new sellers
• Chase Ultimate Rewards points can be redeemed for cash or transferred to travel partners
• Employee cards at no additional cost for team members

Pros:

• Simple, flat-rate rewards structure
• Substantial welcome bonus relative to spending requirement
• No annual fee reduces overhead costs
• Strong customer service and online account management

Cons:

• 3% foreign transaction fees impact international sourcing
• Lower rewards rate compared to category-specific cards
• No special benefits for advertising spend

Best For: New Amazon sellers who want simplicity and cash flow flexibility while building their business credit profile.

2. U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Diverse Spending Categories

This card is great for Amazon sellers with varied business expenses, offering bonus rewards across multiple relevant categories.

Key Features:

• Welcome Bonus: $500 cash back after spending $4,500 in first 150 days
• Rewards Rate: 3% on gas stations, office supplies, and cell phone services; 1% on everything else
• Introductory APR: 0% for 15 months on purchases and balance transfers
• Annual Fee: $0
• Foreign Transaction Fee: 3%

Amazon Seller Benefits:

• 3% rewards on office supplies covers many business essentials
• Extended 15-month 0% APR period for inventory financing
• No caps on bonus category earnings
• $100 annual software subscription credit

Pros:

• Longest 0% APR period among no-fee cards
• Uncapped bonus category rewards
• Software subscription credit valuable for Amazon sellers
• Reports to Dun & Bradstreet for business credit building

Cons:

• Limited bonus categories for typical Amazon seller expenses
• Foreign transaction fees for international suppliers
• Lower base rewards rate on most purchases
• Typically offers a lower credit limit

Best For: New sellers with diverse business expenses who need extended financing terms.

Best Cards for Established Amazon Sellers ($15K-$50K Monthly Spend)

3. Chase Ink Business Preferred® Credit Card

Best for Advertising Spend

The Ink Business Preferred is specifically designed for businesses with significant advertising expenses, making it ideal for Amazon sellers investing heavily in PPC and external marketing.

Key Features:

• Welcome Bonus: 90,000 points after spending $8,000 in first 3 months
• Rewards Rate: 3x points on advertising, shipping, internet/cable/phone, and travel (up to $150,000 annually)
• Annual Fee: $95
• Foreign Transaction Fee: None

Amazon Seller Benefits:

• 3x points on advertising spend includes Amazon PPC, Google Ads, and Facebook advertising
• 3x points on shipping costs for FBA and customer shipments
• No foreign transaction fees for international supplier payments
• Points transfer to valuable airline and hotel partners

Pros:

• Exceptional value for advertising-heavy businesses
• High spending cap (typically) accommodates growing sellers
• Valuable transfer partners for travel redemptions
• No foreign transaction fees

Cons:

• Annual fee may not be justified for low-spend sellers
• Rewards drop to 1x after reaching category caps
• Requires good to excellent credit for approval

Best For: Established sellers spending $2,000+ monthly on advertising and shipping who can maximize the bonus categories.

4. American Express® Business Gold Card

Best for Flexible Rewards

The Business Gold Card's structure allows sellers to maximize rewards on their highest spending categories, adapting to changing business needs.

Key Features:

• Welcome Bonus: 100,000 points after spending $15,000 in first 3 months
• Rewards Rate: 4x points on top 2 spending categories each month (up to $150,000 annually)
• Annual Fee: $375
• Foreign Transaction Fee: None

Amazon Seller Benefits:

• 4x points automatically apply to highest spending categories
• Categories include advertising, shipping, gas stations, and restaurants
• Flexible Pay Over Time feature for large inventory purchases
• Extensive transfer partner network for travel redemptions

Pros:

• Highest potential rewards rate (4x) on relevant categories
• Automatic category optimization maximizes earnings
• Premium Amex benefits and customer service
• No foreign transaction fees

Cons:

• High annual fee requires significant spending to justify
• Complex rewards structure may confuse some users
• Limited to 2 bonus categories per month

Best For: Established sellers with concentrated spending in 1-2 categories who value premium service and travel rewards.

5. Capital One Spark Miles for Business

Best for Travel Rewards

This card offers straightforward travel rewards with no category restrictions, ideal for sellers who travel frequently for sourcing or trade shows.

Key Features:

• Welcome Bonus: 50,000 miles after spending $4,500 in first 3 months
• Rewards Rate: 2x miles on all purchases; 5x miles on hotels and rental cars through Capital One Travel
• Annual Fee: $95 (waived first year)
• Foreign Transaction Fee: None

Amazon Seller Benefits:

• Unlimited 2x miles on all inventory and business purchases
• No category restrictions or spending caps
• Miles transfer to 15+ airline partners
• Global Entry/TSA PreCheck credit

Pros:

• Simple, unlimited rewards structure
• Valuable travel benefits for frequent travelers
• No foreign transaction fees
• First-year fee waiver

Cons:

• Lower rewards rate compared to category-specific cards
• Miles may be less valuable than cash for some sellers
• Limited non-travel benefits

Best For: Sellers who travel frequently and prefer simple, unlimited rewards without category management.

Best Cards for Enterprise Amazon Sellers ($50K+ Monthly Spend)

6. Capital One Spark Cash Plus

Best for High-Volume Inventory Purchases

This charge card is designed for businesses with substantial monthly expenses, offering unlimited 2% cash back with no preset spending limit.

Key Features:

• Welcome Bonus: $2,000 cash back after spending $30,000 in first 3 months
• Rewards Rate: Unlimited 2% cash back on all purchases
• Annual Fee: $150 (waived if you spend $150,000 annually)
• Payment Terms: Balance due in full each month

Amazon Seller Benefits:

• No preset spending limit accommodates large inventory orders
• Unlimited 2% rewards on all business expenses
• No foreign transaction fees for international suppliers
• Advanced expense management and reporting tools

Pros:

• Highest flat-rate cash back available (2%)
• No spending caps or category restrictions
• Sophisticated business management tools
• Annual fee waiver for high spenders

Cons:

• Requires full balance payment monthly
• High spending requirement for welcome bonus
• Limited to businesses with strong cash flow

Best For: High-volume sellers with consistent cash flow who can pay balances in full monthly.

7. American Express Business Platinum Card®

Best for Premium Benefits

The Business Platinum offers extensive travel and business benefits, making it valuable for enterprise sellers who travel frequently and need premium services.

Key Features:

• Welcome Bonus: 150,000 points after spending $20,000 in first 3 months
• Rewards Rate: 5x points on flights and prepaid hotels; 1.5x on purchases over $5,000
• Annual Fee: $695
• Benefits: Airport lounge access, travel credits, and business services

Amazon Seller Benefits:

• 1.5x points on large inventory purchases over $5,000
• Extensive travel benefits for sourcing trips
• Business services including Dell and Adobe credits
• Premium customer service and account management

Pros:

• Comprehensive premium benefits package
• High rewards on large purchases
• Extensive lounge network access
• Business-specific credits and services

Cons:

• Very high annual fee
• Benefits may not justify cost for non-travelers
• Complex benefit structure requires active management

Best For: Enterprise sellers who travel frequently and can utilize premium benefits to offset the high annual fee.

Specialized Cards for Specific Needs

8. Amazon Business Prime American Express Card

Best for Amazon-Specific Purchases

This co-branded card is specifically designed for Amazon Business customers, offering unique benefits for platform-specific spending.

Key Features:

• Welcome Bonus: $125 Amazon Gift Card upon approval (Prime members)
• Rewards Rate: 5% back on Amazon.com purchases (up to $120,000 annually); 2% on gas stations and restaurants
• Annual Fee: $0
• Special Feature: 90-day payment terms option on Amazon purchases

Amazon Seller Benefits:

• 5% rewards on Amazon Business purchases and AWS services
• 90-day payment terms provide extended cash flow
• No annual fee reduces business overhead
• Integration with Amazon Business account management

Pros:

• Highest rewards rate on Amazon purchases
• Extended payment terms unique to this card
• No annual fee
• Direct integration with Amazon ecosystem
• Great for Amazon to Amazon Flips

Cons:

• Limited utility outside Amazon ecosystem
• Lower rewards on non-Amazon purchases
• 90-day terms may encourage overspending

Best For: Sellers who make substantial purchases through Amazon Business and can benefit from extended payment terms.

9. Ink Business Cash® Credit Card

Best for Office Supplies and Internet Services

This card maximizes rewards on common business expenses including office supplies and internet services that many Amazon sellers utilize.

Key Features:

• Welcome Bonus: $350 after spending $3,000 in first 3 months, plus $400 after spending $6,000 in first 6 months
• Rewards Rate: 5% on office supplies and internet/cable/phone (up to $25,000 annually); 2% on gas stations and restaurants
• Annual Fee: $0
• Introductory APR: 0% for 12 months

Amazon Seller Benefits:

• 5% rewards on internet services used for business operations
• 5% on office supplies for packaging and business needs
• 12-month 0% APR for cash flow management
• No annual fee keeps costs low

Pros:

• High rewards rates in relevant categories
• No annual fee
• Extended 0% APR period
• Good for sellers with significant office supply needs

Cons:

• Low spending caps on bonus categories
• Limited applicability for pure FBA sellers
• Rewards drop significantly after caps

Best For: Sellers with home offices who purchase significant office supplies and internet services.

10. The Blue Business® Plus Credit Card from American Express

Best for Credit Building

This entry-level Amex card helps new sellers build business credit while earning modest rewards.

Key Features:

• Welcome Bonus: 15,000 points after spending $3,000 in first 3 months
• Rewards Rate: 2x points on first $50,000 in purchases annually, then 1x
• Annual Fee: $0
• Introductory APR: 0% for 12 months

Amazon Seller Benefits:

• No annual fee for credit building
• 2x points on all business purchases up to $50,000
• 12-month 0% APR for inventory financing
• Access to Amex business benefits and customer service

Pros:

• No annual fee
• Simple rewards structure
• Good for building business credit
• Access to Amex ecosystem

Cons:

• Low rewards rate after $50,000 spending
• Limited welcome bonus
• No special category bonuses

Best For: New sellers building business credit who want access to the Amex ecosystem without annual fees.

The Final Word

Selecting the best credit cards for Amazon sellers in 2025 requires an approach that aligns with your business's spending patterns, cash flow needs, and growth trajectory. For new sellers, prioritize cards with 0% introductory APR periods and no annual fees like the Chase Ink Business Unlimited to build credit while managing cash flow.

Established sellers should focus on maximizing rewards through category-specific cards such as the Chase Ink Business Preferred for advertising spend or the American Express Business Gold for flexible 4x rewards on top spending categories.

Enterprise sellers with substantial monthly expenses will benefit most from premium options like the Capital One Spark Cash Plus, which offers unlimited 2% cash back with no preset spending limits.

Remember that the most valuable credit card strategy often involves using multiple cards strategically. A good example would be pairing a high-rewards card for advertising spend with a 0% APR card for inventory financing.

Always consider the total cost of ownership, including annual fees, against the rewards and benefits you'll actually use. Most importantly, maintain disciplined spending habits and pay balances to avoid interest charges that can quickly negate any rewards earned. We've even created a ChatGPT prompt to help you set up your usage and payment schedule of your credit cards to maximize cashflow and extend your inventory float.

With the right credit card portfolio, Amazon sellers can turn business expenses into rewards, improved cash flow, and better business credit profiles that support long-term growth and profitability.

Disclaimer: Credit card terms and offers change frequently. Always verify current terms directly with card issuers before applying. This analysis is based on publicly available information as of 2025 and should not be considered personalized financial advice.