US Bank Amazon Prime Business Credit Card: New Card Launched, 5% Cashback on Amazon
2026.5 Update: The issuer of Amazon Business credit card is changed from AmEx to US Bank. The network is now Mastercard. This is the new card after the change of issuer.
Application Link
Benefits
- Dynamic welcome offer: login to see your targeted offer. It seems the highest targeted welcome offer is $750. The baseline welcome offer is $100: earn $100 statement credit after spending $3,000 in the first 3 months.
- Earning structure:
- Earn 5% cashback at Amazon, Amazon Business, AWS, and Whole Foods Market, if you are an Amazon Prime member (3% if not), on up to $150,000 in Net Purchases per calendar year, thereafter earn 1%. In order to get the 5%, you need to use your own Amazon account. Student Prime membership and trial prime membership counts as well.
- Automatic 2% cashback on your top 3 spending categories outside of Amazon (on up to $150,000 in Net Purchases per calendar year), thereafter earn 1%.
- Earn5% cashback on prepaid travel booked in the U.S. Bank Travel Center using your card, if you are an Amazon Prime member (3% if not).
- Earn 1% cashback on everything else.
- No foreign transaction fee.
- No annual fee.
Disadvantages
- Though it appears to be a no annual fee card, actually you need to remember that Amazon Prime Membership costs you some money every year.
- You will earn 5% or 3% Back only on the first $150,000 in purchases each calendar year, 1% Back thereafter.
- They only allow you to hold one of this card at a time, therefore you can’t increase the cap by holding multiple of this card.
Recommended Application Time
- We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.
Summary
For Amazon Prime members who spend heavily on Amazon, 5% cash back is a very solid return. This card is similar to the Chase Amazon Prime personal card in many respects. Previously, some people may have been hesitant to put too much spend on Chase cards, or they may have been blocked by Chase’s 5/24 rule and unable to get the Chase version. With the new US Bank-issued card, those concerns are no longer an issue. When the Amazon business card was previously issued by AmEx, some people may also have been reluctant to use up an AmEx card slot for it. Now that the issuer has switched to US Bank, that concern is gone as well. That said, US Bank is generally known to be relatively strict with approvals, which could still be a hurdle for some applicants.
Related Credit Cards
After Applying
- To check the application status, you can visit this webpage or call (800) 947-1444. If you see the 7-10 days message, it just means they will do a manual review and the outcome could be either approved or denied.
- US Bank reconsideration line: (800) 947-1444.
