Amazon Amex Business Prime vs Amazon Amex Business vs Amex Blue Cash?

[Anonymous]

I'm about to pull the trigger on one of these apps.  I have never had an Amex card, but currently have Amazon prime for personal and use Amazon A LOT for my business and personal expenses.  I am trying to determine which makes most sense as I really want to establish a relationship with amex. 

I want a revolving card not a PIF. I don't travel a ton with my business, but I like cash rewards =P 

My question is which has a higher probability of being approved and better credit line? I have no business cards (have a LC business loan 8 months old in good standing).  My personal scores are between 737-768 depending on who you ask.  I recently got approved for a NFCU personal card (30k limit) less than a week ago not sure if that will present a challenge.  I also don't have any offers when I check on Amex but got a prequal letter less than a month ago which I can't find now =/ 

[Anonymous]

In your situation, it seems like it would be hard to beat the Amazon Prime Biz card.  5% back on all Amazon purchase or 90 payment terms if you're not always in a position to PIF a large purchase. 

No one revolving business card is harder to get nor will one specifically net you a higher limit, generally speaking.

[Anonymous]

This may be a uninformed question but is the max amount of time I have to pay a balance 3 months with this card?  Will I default if the purchase isn't paid in 3 months? 

[Anonymous]

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@Anonymous wrote:

This may be a uninformed question but is the max amount of time I have to pay a balance 3 months with this card?  Will I default if the purchase isn't paid in 3 months? 

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No, it's a revolving card like any other revolving card. The 90 payment terms allows for 0% interest during that time, if that option is selected during checkout. 

[Anonymous]

If I were you I'd go for the Business Prime. Keep us posted which card you de use to get and your app goes.

[Anonymous]

I did it! Success! 

My stomach was in knots when I pressed send...but it worked out.  

You've been approved!

Initial credit limit Approved credit limit

$2500 available now
$20500 after card delivery and confirmation
19.74% variable
Amazon.com Gift Card $125

Earn a $100 statement credit after you spend $3,000 on the Card in the 2% Back and 1% Back categories in your first 3 months of Card Membership.†

Interesting enough, I was worried about duplicating the prime benefits.  But it didn't require me to get business prime. It is asking me if I'd like to create a Amazon business account.  I thought I HAD to have one in order to get this card.  I'm a little confused about that, but I guess it'll make sense when the card comes.  For now, I am happy and think I'll not apply for anything for a few months.  I am eyeing the PNC LOC but my business won't reach its 3rd birthday until the end of March.  

Thanks for the feedback guys!!

[Anonymous]

Congratulations on your approval! 👍

[bourgogne]

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@Anonymous wrote:

I did it! Success! 

My stomach was in knots when I pressed send...but it worked out.  

You've been approved!

Initial credit limit Approved credit limit

$2500 available now
$20500 after card delivery and confirmation
19.74% variable
Amazon.com Gift Card $125

Earn a $100 statement credit after you spend $3,000 on the Card in the 2% Back and 1% Back categories in your first 3 months of Card Membership.†

Interesting enough, I was worried about duplicating the prime benefits.  But it didn't require me to get business prime. It is asking me if I'd like to create a Amazon business account.  I thought I HAD to have one in order to get this card.  I'm a little confused about that, but I guess it'll make sense when the card comes.  For now, I am happy and think I'll not apply for anything for a few months.  I am eyeing the PNC LOC but my business won't reach its 3rd birthday until the end of March.  

Thanks for the feedback guys!!

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congrats, very nice.  you do not need amazon business, any old prime will do.  re the pnc, are you out of footprint?  hope so.  excellent, I mean out of this world lender

[AllZero]

Congratulations on your approval!

[Andypanda]

Congratulations, just got the card myself, and also did not set up the amazon buisness account.