Edited by: Jessica Merritt
& Kellie Jez
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Becoming an Amazon FBA seller is one of the most interesting, unique businesses you can start. FBA stands for Fulfillment by Amazon, and it’s a program offered by Amazon to third-party merchants that allows you to get your products on Amazon’s website and leverage its global fulfillment network to scale your e-commerce business.
This is a huge simplification, but lots of people have made a healthy living, even small fortunes with Amazon FBA, and it is built on one of the most trusted brands in the world.
If you have an Amazon FBA business, you should know the best credit cards to use to make the most of your business spending.
We’ll show you all the best choices to help you make a decision that rewards your business as much as possible. Let’s take a deep dive into the best cards for Amazon FBA sellers!
If you’re an Amazon FBA seller, you can save on resources you’d normally have to manage yourself if you were selling goods on a different platform.
For example, Amazon FBA sellers use Amazon’s customer service and returns network, free shipping, and so much more.
In return, Amazon charges selling plans (based on the number of units sold), referral fees (usually between 8% to 15%), fulfillment fees, and other incremental costs.
So what do you have to pay for?
The biggest costs for Amazon FBA sellers besides Amazon fees will likely be on inventory, advertising within Amazon (similar to Google Ads), and packing supplies (to send your products to Amazon).
Ideally, you want to find a card that rewards you on all 3 of the above items, but this probably isn’t possible. The next best thing is to pick a card that rewards you in the categories you happen to spend the most on!
Let’s start with some cards that you should avoid. You should not use these cards for most Amazon seller transactions:
You’ll only earn bonus cash-back on purchases at Amazon.com, not for any seller fees or Amazon Advertising purchases.
Now that we’ve got that out of the way, let’s chat about the best cards for Amazon FBA sellers.
The best overall cards for Amazon FBA are the ones that offer large bonus categories on advertising, packing supplies, and inventory.
Because inventory categories will vary widely depending on what you’re selling on Amazon, we won’t focus on those expenses.
As an Amazon FBA seller, you’re probably spending a large sum of money on advertising costs. Amazon has an internal media company called Amazon Advertising that allows you to advertise on Amazon.com, similar to Google Ads’ pay-per-click (PPC) system.
Luckily, American Express and Chase both count Amazon Advertising as an eligible advertising merchant, which is great news.
And while Amazon will take care of fulfilling the goods to the customer, you’ll still need to procure, package, and send the products to an Amazon warehouse/fulfillment center. So you’ll probably be buying a lot of boxes, packing materials, tape, and more.
Cards that offer bonus rewards on these categories in addition to other important benefits such as fraud and purchase protection will be the secret to maximizing your rewards as an Amazon FBA seller.
Let’s look at our top card picks!
|Card||Welcome Bonus and Annual Fee||Benefits for Amazon FBA Sellers|
The Amex Business Gold card is our absolute favorite card for Amazon FBA sellers because it offers a huge welcome bonus to start.
Amazon Advertising counts under advertising in select media, which is incredible news!
Additionally, this card has no preset spending limit, and your 4x categories are automatically determined for you every month based on your spending activity!
Lastly, enjoy travel insurance, purchase protection, extended warranty coverage, and no foreign transaction fees (rates and fees).
We think Amex Membership Rewards is the most valuable points currency, worth around 2.2 cents per point. That means you can earn a whopping 8.8% return on spending when you use the Amex Business Gold card!
Our runner-up is the Ink Business Preferred card, which is one of Chase’s most popular business credit cards for good reason!
This credit card packs a ton of benefits into a business credit card, and it will surely allow you to scale your business while also scaling your rewards.
The Ink Business Preferred card currently has a generous welcome bonus, and the bonus alone could be worth at least $2,000 according to our points and miles valuations.
On top of this massive bonus, you will earn 3x Ultimate Rewards points per dollar spent on up to $150,000 in combined purchases every cardmember year on the following bonus categories:
Let’s talk about the last bonus category. Because of how flexible the bonus category is, Amazon Advertising purchases code to the advertising category.
By maxing out the $150,000 in 3x earning, you could earn 450,000 Ultimate Rewards points, worth around $9,000.
The Ink Business Preferred card also offers fantastic cell phone protection insurance if you tend to lose or damage your phone often. This policy allows you to get reimbursed up to $1,000 per claim up to 3 times per year with a $100 deductible per claim!
The credit card also offers purchase protection, primary rental car insurance, extended warranty coverage, and travel insurance.
We love Chase Ultimate Rewards points because they can be reinvested into your business via statement credits and cash-back, used for merchandise and gift cards, or redeemed for phenomenal value on business and first class flights or 5-star hotel stays through the Chase transfer partners.
Of course, you can stick to the tried-and-true method of redeeming your points for 1.25 cents per point through the Chase travel portal.
These points are among the most valuable in the world, worth approximately 2 cents per point, according to our valuations.
The Amex Business Platinum card is arguably the best card for businesses in the entire world.
You’ll earn 5x points on flights and prepaid hotels at Amex Travel, and 1.5x on eligible purchases in key business categories (including shipping providers), as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).
With this card, you’ll get an annual airline fee credit of up to $200, up to $400 in statement credits for U.S. purchases with Dell, up to $360 Indeed credit, up to $150 Adobe credit, up to $120 wireless credit, up to $100 Global Entry/TSA PreCheck application fee credit, Hilton Honors and Marriott Bonvoy Gold status upon enrollment, access to Amex Fine Hotels & Resorts, a 35% points rebate on select flights, and much more.
But perhaps the most impressive benefit is its unparalleled access to the phenomenal American Express Global Lounge Collection that includes over 1,400 lounges:
If you’re a prolific drop-shipper with large expenses, the next benefit of flexible spending is absolutely essential.
The Amex Business Platinum card isn’t a normal card because it doesn’t have a preset spending limit. One of the small issues with the Ink Business Preferred card is that you might hit the maximum credit limit if you have a big drop-shipping business.
With the Amex Business Platinum card, your spending limit adjusts fluidly to accommodate your spending habits, and this results in potentially huge spending power, as long as Amex thinks you’re able to pay off your bills in full.
The Ink Business Cash card is a fantastic credit card for small business owners just starting in their niche.
This card is spectacular for those looking for mega rewards and no annual fee, and those who are fine without travel benefits like lounge access or supplementary insurance policies like cell phone protection.
If you’re laser-focused on a card that rewards you for your spending and aren’t interested in the other fringe benefits, this card could be a great choice for you.
The Ink Business Cash card will earn you 5% cash-back on up to $25,000 spent in combined purchases every account anniversary year in the following categories:
The first category could amount to a huge portion of your overall business spending because you need to procure packing materials to ship your goods to Amazon fulfillment centers.
You’ll also earn 2% cash-back on up to $25,000 spent in combined purchases at gas stations and restaurants, as well as 1% cash-back elsewhere.
You’ll enjoy a 0% introductory APR period, as well as travel insurance, purchase protection, and no-additional-cost employee cards.
And if you have an Ultimate Rewards card such as the Chase Sapphire Preferred® Card, you can convert your 5%, 2%, and 1% cash-back to 5x, 2x, and 1x Ultimate Rewards points, which would double your return on spending.
The Amex Blue Business Plus card is one of the most rewarding business credit cards out there. The credit card offers 2x Membership Rewards points for the first $50,000 in purchases per account year, and then 1x points thereafter.
This card gets you access to Membership Rewards without an annual fee, and you’ll also receive purchase protection, extended warranty protection, and the ability to add employee cards at no additional cost (rates and fees).
The Ink Business Unlimited card is offered by Chase, and it allows you to earn simple, uncapped rewards.
We love this card because it comes with a huge welcome bonus right off the bat without an annual fee!
On top of the bonus, you can earn an unlimited 1.5% cash-back on your purchases, regardless of spending categories.
If you have an Ultimate Rewards credit card such as the Chase Sapphire Preferred card, your 1.5% cash-back is convertible to a 1.5x Ultimate Rewards points earning structure, which then becomes worth a 3% return on spend.
You’ll also enjoy a great 0% introductory APR benefit, zero liability protection, fraud alerts, no-additional-fee employee cards, and excellent travel coverages such as primary rental car collision damage coverage.
Lastly, you’ll enjoy purchase protection and extended warranty protection when shopping for your business.
Not interested in points or travel? The Amex Blue Business Cash card offers solid cash-back rewards without the complexity of points.
This card earns 2% cash-back on all eligible purchases up to $50,000 per calendar year, then 1%. All cash-back earned is automatically credited to your statement.
You can then use the cash back to reinvest in your business. Additional benefits include travel insurance, purchase protection, extended warranty coverage, and much more.
There are numerous credit cards that offer rewards for your Amazon FBA business. However, you should always avoid Amazon’s co-branded credit cards because these cards will not offer you bonus cash-back on Amazon seller fees or Amazon Advertising purchases.
Our absolute favorite card is the Amex Business Gold card that can earn you 4x points, worth an 8.8% return on spend.
There are other fantastic card choices including the Ink Business Preferred card, but you’ll need to keep in mind that the Amex Business Gold card’s 4x points are superior to the Ink Business Preferred card’s 3x points.
We hope that you found this guide useful to help you pick out the best credit cards for your Amazon FBA business!
For the purchase protection and extended warranty benefit of the Amex Business Gold card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/
For the purchase protection and extended warranty benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/
For the purchase protection and extended warranty benefit of The Blue Business® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/
For the purchase protection and extended warranty benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/
The information regarding the Amazon Business American Express Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Amazon Business Prime American Express Card, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
The Amazon cards issued by American Express and Chase are great for Amazon purchases (for example, at AWS or Amazon.com), but it’s not a good idea to pay for Amazon FBA seller fees or Amazon Advertising on these cards.
The best credit card for FBA sellers is the Amex Business Gold card which offers 4x points on select business categories, including advertising.
This reward structure is equal to a return of around 8.8%, but this number can be much higher depending on how you redeem your points.
The best credit card for small business owners will depend on where you spend most of your money as a business.
For advertising, the absolute best winners are the Amex Business Gold card and the Ink Business Preferred card.
For travel, you’ll find tons of value in the Amex Business Platinum card.
For small businesses who need low-fee options and the ability to earn lots of rewards quickly, the Amex Blue Business Plus card and the Ink Business Unlimited card offer unfussy rewards, no annual fees, and the potential to convert those points into incredible value when booking luxury travel.
Yes. The Amazon Business Amex card and Amazon Business Prime Amex card are both business credit cards. You can earn cash-back on categories including Amazon Business, Amazon.com, AWS, and more.
As with starting any business, it depends! If you have the ability to invest time and money, then Amazon FBA selling has much lower barriers to entry than traditional businesses.
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