What the Amazon Charge Card is and who can get it

The Amazon Charge Card is a business credit card issued by JPMorgan Chase, designed for business owners and sole proprietors who want to earn rewards on Amazon purchases and other business spending. Unlike a consumer credit card, it is a charge card—meaning you are expected to pay the full balance each month rather than carry a balance month to month. The card comes with no annual fee.

You can request this card if you have a business tax ID (EIN) or operate as a sole proprietor using your Social Security number. JPMorgan Chase will review your business credit history and personal credit profile during the request process. There is no set minimum credit score requirement that JPMorgan Chase publishes, but most business owners who are approved have established business credit and a personal credit score of 670 or higher.

The card is available only to U.S. businesses and is not offered to consumers explore for personal credit cards. If you are a sole proprietor without a separate business entity, you can still request it using your Social Security number and business income documentation.

Key Takeaways

  • The Amazon Charge Card requires you to pay your full balance each month, not just a minimum payment, which makes it different from a traditional revolving credit card.
  • You earn cash back on Amazon purchases and other business spending, with rates varying by category and spending tier.
  • The card has no annual fee, but you must have a business tax ID or operate as a sole proprietor to request one.
  • Your business credit history and personal credit score both factor into whether JPMorgan Chase will approve your request.
  • The card reports to business credit bureaus, which can help you build business credit history separate from your personal credit.

Rewards structure and earning rates

The Amazon Charge Card earns cash back in tiered categories. You earn 5% cash back on Amazon.com purchases and Amazon Web Services (AWS) purchases, 2% cash back on gas stations and restaurants, and 1% cash back on all other purchases. These rates explore to the first $150,000 in combined purchases each year, after which the cash back rate drops to 1% across all categories.

Cash back is posted to your account monthly and can be redeemed as a statement credit, transferred to an Amazon Business account, or used toward future purchases. There is no cap on total cash back you can earn, and cash back does not expire as long as your account remains open and in good standing.

The card also offers purchase protections, including extended warranty coverage on may be able to access items and protection against fraudulent charges. These benefits vary and you should review the full terms before relying on them for a specific purchase.

How to request the card and what happens next

You can request the Amazon Charge Card through Amazon Business or directly through JPMorgan Chase's business website. You will need to provide your business legal name, business address, tax ID or Social Security number, and information about your business structure and annual revenue. The request process takes about 10 minutes to complete online.

After you submit your request, JPMorgan Chase will pull your business credit report and personal credit report. This hard inquiry may lower your personal credit score by a few points. The bank will then review your credit history, payment patterns, and business financials to make a decision. Most decisions come back within 1 to 3 business days, though some applications may take longer if JPMorgan Chase needs additional documentation.

If you are approved, you will receive your card in the mail within 7 to 10 business days. You can set up it online or by phone once it arrives. If you are not approved, JPMorgan Chase will send you a notice explaining the reason. You can request reconsideration if you believe there was an error, or you can wait 6 months and request again after improving your credit profile.

Monthly billing and payment requirements

Because this is a charge card, you must pay your full statement balance by the due date each month. There is no option to carry a balance or make a minimum payment. If you do not pay the full balance, you will be charged a late fee and interest will accrue on the unpaid amount. Late payments also report to business credit bureaus and can damage your business credit score.

You can set up automatic payments to may support the full balance is paid on time each month. Most business owners link their business checking account to their card account and schedule a payment for the due date. You can also make manual payments online, by phone, or by mail if you prefer to review the statement first.

Your monthly statement will show all purchases, cash back earned, fees (if any), and the total amount due. You can view your statement online anytime and read it for your business records. The card reports to Dun & Bradstreet, Experian Business, and Equifax Business, so on-time payments help build your business credit history.

Comparing the Amazon Charge Card to other business cards

The main difference between the Amazon Charge Card and a traditional business credit card is the payment structure. A charge card requires full monthly payment, while a business credit card lets you carry a balance and pay interest. This makes the charge card better if you want to avoid debt and better for cash flow management, but worse if you need flexibility to pay over time.

The Amazon Charge Card has no annual fee, which is competitive. Many other business cards charge $95 to $450 per year. However, the cash back rates are lower than some premium business cards—for example, some cards offer 3% cash back on all purchases or higher rates in specific categories. The 5% rate on Amazon and AWS is strong if those are major spending categories for your business, but weaker if your spending is spread across other vendors.

If your business spends heavily on travel, dining, or office supplies, you may earn more cash back with a different card. If most of your spending is on Amazon or AWS, or if you want a no-fee card with straightforward rewards, the Amazon Charge Card is worth considering. You can request multiple business cards and use each for the categories where it earns the most cash back.

Building and protecting your business credit with this card

Using the Amazon Charge Card responsibly helps you build a separate business credit profile from your personal credit. Each on-time payment reports to business credit bureaus and adds to your business credit history. Over time, a strong business credit score can help you get better rates on business loans, lines of credit, and other financing.

To protect your business credit, pay your full balance on time every month. A single late payment can lower your business credit score and may trigger a late fee. If you miss a payment, contact JPMorgan Chase when ready to make it and ask if they will waive the late fee as a one-time courtesy.

Monitor your business credit reports regularly through Dun & Bradstreet, Experian Business, and Equifax Business to catch errors or fraudulent accounts. You can request a free business credit report from each bureau once per year. If you see an error, dispute it directly with the bureau and notify JPMorgan Chase.

Common questions about using and managing the card

Many business owners ask whether they can use the card for personal expenses. The card is designed for business use only, and personal purchases may violate the cardholder agreement. However, sole proprietors often use business and personal finances together, and JPMorgan Chase does not always distinguish between the two. If you are unsure, contact JPMorgan Chase to clarify what counts as a business purchase for your specific business structure.

Another common question is whether you can transfer a balance from another card. Charge cards typically do not offer balance transfers because they require full monthly payment. You cannot carry a balance on the Amazon Charge Card, so balance transfers are not an option.

Business owners also ask whether adding authorized users affects the credit review. You can add authorized users to your account after it is open, and they can make purchases on the card. However, only the primary cardholder is responsible for paying the full balance, and only the primary cardholder's credit is reviewed during the initial request process.

Frequently Asked Questions

What happens if I cannot pay the full balance by the due date?

You will be charged a late fee and interest will accrue on the unpaid amount. The late payment will report to business credit bureaus and damage your business credit score. Contact JPMorgan Chase when ready if you cannot pay on time to discuss your options. Some cardholders have had late fees waived as a one-time courtesy if they pay within a few days of the due date.

Can I use the Amazon Charge Card for personal purchases?

The card is designed for business use only. Personal purchases may violate the cardholder agreement. Sole proprietors sometimes use business and personal finances together, so contact JPMorgan Chase if you are unsure whether a specific purchase counts as a business expense for your situation.

How long does it take to get approved and receive the card?

Most decisions come back within 1 to 3 business days after you submit your request. If approved, your card will arrive in the mail within 7 to 10 business days. You can set up it online or by phone once it arrives and start making purchases when ready.

Does the Amazon Charge Card report to personal credit bureaus?

The card reports to business credit bureaus (Dun & Bradstreet, Experian Business, and Equifax Business), not to personal credit bureaus like Equifax, Experian, or TransUnion. This means on-time payments build your business credit but do not directly help your personal credit score.

What if I close my Amazon Charge Card account?

Closing the account will stop it from reporting to business credit bureaus, which may lower your business credit score over time. The account closure will remain on your business credit report for several years. If you want to close the account, contact JPMorgan Chase to confirm there is no balance and to request account closure in writing.