Current Differences between Amazon Amex Business and Amazon Chase Visa

[ThomasJNewton]

Thanks to @odd_dog, I noticed that Amazon has an AmEx business card in addition to their Chase Visa Card. The most recent thread I find about the differences is from 2020, so I am curious if what the current differences are, and I am also curious if I have a Prime Business card, can I use it with my personal Prime account  and get the 5% (and/or can I use one Business AmEx card with a different business account)? We spend a fair amount of money on Amazon purchases, but I get a discounted personal Prime account as a faculty member, so if I cannot use my business AmEx on a personal account, I am not sure it makes sense for me.

[GZG]

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@ThomasJNewton wrote:

Thanks to @odd_dog, I noticed that Amazon has an AmEx business card in addition to their Chase Visa Card. The most recent thread I find about the differences is from 2020, so I am curious if what the current differences are, and I am also curious if I have a Prime Business card, can I use it with my personal Prime account  and get the 5% (and/or can I use one Business AmEx card with a different business account)? We spend a fair amount of money on Amazon purchases, but I get a discounted personal Prime account as a faculty member, so if I cannot use my business AmEx on a personal account, I am not sure it makes sense for me.

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a business amazon amex will load onto a personal amazon prime account yes 

the biggest difference is that the 5% can only be used as a statement credit purchase eraser, you can't claim it as cashback and you need to have purchases to claim your cashback against

(you can also use the points for purchases, but you lose the points you would have earned if you do that, so don't do that)

[NoMoreE46]

As an aside, one can create a second user ID in Prime and toggle.  I did notice that under the Business account, the same exact product was more a little bit more expensive.

There is a usually an easy SUB from one of the two Amazon Business cards offered by Amex. 

[E36]

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@ThomasJNewton wrote:

Thanks to @odd_dog, I noticed that Amazon has an AmEx business card in addition to their Chase Visa Card. The most recent thread I find about the differences is from 2020, so I am curious if what the current differences are, and I am also curious if I have a Prime Business card, can I use it with my personal Prime account  and get the 5% (and/or can I use one Business AmEx card with a different business account)? We spend a fair amount of money on Amazon purchases, but I get a discounted personal Prime account as a faculty member, so if I cannot use my business AmEx on a personal account, I am not sure it makes sense for me.

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The main difference is one is Chase Personal Visa the other Is Busines Amex.

1. Amex Business Prime doesn't report to your personal credit report (unless you default)
2. Amex is generous with CLI (3X after 91-181 days) I did a 2X on $7K
3. Amex is known to do financial reviews. Unusual spend will trigger this but they will ask for bank statements or tax info (not sure if they will do this for the Amazon Prime cards. But if a person refuses to do financial review, they will restrict the limits of all cardholders Amex cards
4. Cannot product change
5. Metal Card

Chase

1. Chase is known for the 5/24 Rule
2. Cannot Product Change
3. Metal Card

You can use your Prime Business Card with personal prime and earn 5% Back. (although for me I dedicate it to just business expenses)

[Vinjints]

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@NoMoreE46 wrote:

As an aside, one can create a second user ID in Prime and toggle.  I did notice that under the Business account, the same exact product was more a little bit more expensive.

There is a usually an easy SUB from one of the two Amazon Business cards offered by Amex. 

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I've been getting a blurb on my Amazon account saying I could have saved $XX amount this year by using a business account. I've seen several posts on a tool forum where folks are getting much better deals on the business side for these types of purchases than the personal. Probably all comes down to the products your buying.

[imaximous]

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@GZG wrote:

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@ThomasJNewton wrote:

Thanks to @odd_dog, I noticed that Amazon has an AmEx business card in addition to their Chase Visa Card. The most recent thread I find about the differences is from 2020, so I am curious if what the current differences are, and I am also curious if I have a Prime Business card, can I use it with my personal Prime account  and get the 5% (and/or can I use one Business AmEx card with a different business account)? We spend a fair amount of money on Amazon purchases, but I get a discounted personal Prime account as a faculty member, so if I cannot use my business AmEx on a personal account, I am not sure it makes sense for me.

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a business amazon amex will load onto a personal amazon prime account yes 

the biggest difference is that the 5% can only be used as a statement credit purchase eraser, you can't claim it as cashback and you need to have purchases to claim your cashback against

(you can also use the points for purchases, but you lose the points you would have earned if you do that, so don't do that)

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Aside from the obvious, one being a business card and the other a personal card, that part I highlighted is the biggest and most annoying difference. Amex forces you to use your points to erase your purchase(s) in full as opposed to getting a statement credit or allow you to move your cashback to a bank account. Worst part is, you need enough points to erase a purchase in full because there's no partial credit. Say you make a $5k purchase and get $250 worth of points, then you can't apply the $250 towards the purchase. You'd need to either make smaller purchases and erase those, or use the points to buy stuff on Amazon, which then won't allow you earn 5% on those purchases.

And, there's also a $120k cap per year on the 5%, which may be enough for some businesses, but perhaps not for others.

In my opinion, Amex card sucks compared to Chase. If someone really needs the business card, then go for it, but if not, I wouldn't get. I stopped using mine a while ago when they added the $120k cap. I was already getting annoyed by the purchase eraser, and that was the final nail in the coffin. 

[Patient957]

Of course one huge difference is you can get the business card without affecting your personal credit.  No new account on your personal credit report and if you already have an Amex card, no HP either.