Amazon sellers have unique spending patterns — inventory, shipping, ads, and software. The right business card turns those costs into cash back or travel rewards. Here's how to match a card to your spend profile.
Amazon sellers spend differently than most businesses. A big chunk of your costs goes toward inventory and cost of goods sold on Amazon itself, plus shipping, advertising, and software subscriptions. The right business credit card can convert those everyday expenses into meaningful cash back or travel — but the best card depends heavily on where your money goes.13
The key decision is whether you want a card that maximizes rewards on Amazon purchases specifically, or a general-purpose card that simplifies accounting across all your spend. Amazon co-branded cards like the Amazon Business Prime American Express Card offer 5% back on Amazon US purchases (or 90-day payment terms), 2% on US shipping, and 1% elsewhere, with no annual card fee if you have a Prime membership.5 That's hard to beat for raw Amazon spend — but if your costs are spread across ads, third-party suppliers, and shipping tools, a flat-rate card may earn more overall.
Another option is category-stacking cards like the Chase Ink Business Cash, which offers 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services — categories that can cover software subscriptions, Amazon Web Services, and shipping tools.6 Some sellers even buy Amazon gift cards at office supply stores to effectively earn 5% on Amazon purchases through the Ink card.2
Below are four cards worth considering, each matched to a different seller spend profile. We earn affiliate commissions when you apply through our links, but that doesn't influence which cards we recommend.
If you don't want to think about bonus categories, the Citi Double Cash is the simplest pick. You earn 1% when you buy and another 1% when you pay, for a total of 2% cash back on every purchase — no caps, no rotating categories.14
For Amazon sellers, that means 2% back on advertising spend, inventory from third-party suppliers, shipping labels, software subscriptions, and everything else. It's not the highest rate on any single category, but it's consistently the easiest to calculate. No annual fee makes it a low-risk addition to your wallet.3
Who it's for: Sellers whose spend is diversified across Amazon, ads platforms, suppliers, and services — and who value simplicity over maximizing any one category.
Not every seller wants cash back. If you travel for product sourcing, trade shows, or supplier meetings, the Chase Sapphire Preferred offers transferable Ultimate Rewards points that can be worth more than cash when redeemed for travel.24
The card earns 3x points on dining and 2x on travel, with a $95 annual fee. Points transfer to airline and hotel partners, which can stretch their value significantly for sellers who travel internationally for sourcing.3
Who it's for: Established sellers who travel for business and want flexible, transferable rewards rather than flat cash back.
The Capital One Venture takes the flat-rate concept and applies it to travel. You earn 2x miles on every purchase — no category tracking required — and miles can be redeemed for travel purchases or transferred to airline partners.14
At $95 annual fee, it's priced similarly to the Sapphire Preferred but trades category bonuses for universal simplicity. If most of your spend doesn't fall into dining or travel categories, the flat 2x rate may actually out-earn the Sapphire Preferred's tiered structure.3
Who it's for: Sellers who want travel rewards without the complexity of tracking bonus categories.
For sellers just starting out, the Apple Card offers a no-annual-fee option with straightforward rewards: 2% Daily Cash on purchases made with Apple Pay and 1% when using the physical card.2
It's not a traditional business card, and the rewards structure won't maximize Amazon-specific spend. But for small or new sellers who want a no-fee card with clean spending tracking through the Wallet app, it's a reasonable starting point. The Daily Cash feature means rewards are available immediately rather than waiting for a statement cycle.4
Who it's for: New or small-volume sellers who want zero fees, simple rewards, and easy spending visibility.
Match the card to your spend profile:
There's no single best card for every Amazon seller. The right choice comes down to where your money actually goes each month.
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