Amazon announced the launch of two new credit cards aimed at small‑business customers: the Prime Business Card and the Amazon Business Card. The Prime Business Card offers 5% cash‑back on Amazon purchases for Prime members, capped at $120,000 per calendar year, after which the rate drops to 1%. The Amazon Business Card delivers 3% cash‑back on Amazon purchases for non‑Prime members, also capped at $120,000 per year before falling to 1%. Both cards carry no annual fee and provide 2% cash‑back on U.S. restaurants, U.S. gas stations, and U.S. wireless phone services. Flexible credit terms, purchasing and spend‑management tools are also included to help small‑business owners track and control expenses.
The cards will be issued by U.S. Bank and operate on the Mastercard network, replacing the previous Amazon Business American Express partnership. Existing Amazon Business cardholders will receive communications about the transition and will be able to switch to the new U.S. Bank‑issued cards without interruption. The move to U.S. Bank and Mastercard positions Amazon to leverage established banking infrastructure while expanding its reach into the small‑business credit market.
Amazon’s entry into the small‑business credit‑card space deepens its ecosystem and creates a new revenue source through card fees and increased customer loyalty. By offering high‑rate rewards on Amazon purchases, the cards encourage small‑business spend on Amazon’s marketplace, potentially driving higher sales across Amazon Business, AWS, and Whole Foods. The data collected from card usage also provides Amazon with richer insights into small‑business purchasing patterns, enabling more targeted offers and services. The launch signals Amazon’s intent to compete directly with other business‑focused card issuers and to strengthen its position in the growing small‑business segment.
"Small businesses told us they wanted more ways to earn rewards wherever they shop and better tools to manage cash flow. We partnered with U.S. Bank and Mastercard to build a card program that delivers exactly that," said Tai Koottatep, director and general manager of Worldwide B2B Payments & Lending at Amazon. "Convenient, rewarding payment options start with listening to the customer," he added. Courtney Kelso, senior executive vice president of Payments: Consumer and Small Business at U.S. Bank, said, "We are excited to partner with Amazon and Mastercard to empower small businesses with meaningful rewards and easy‑to‑use tools to manage spending, and, in the near future offering these small businesses more value with additional U.S. Bank services." Eimear Creaven, president of Global Partnerships at Mastercard, noted, "Small businesses continue to be incredibly resilient—modernizing how they operate and navigating constant change. That is what makes this collaboration with Amazon and U.S. Bank so compelling. Together, we are bringing more value, security and simplicity to the tools small businesses rely on every day, helping them operate and grow with greater confidence."
The cards are slated to launch in late spring or early summer 2026, giving small‑business owners time to evaluate the new rewards structure and transition from existing American Express cards. The timing aligns with Amazon’s broader strategy to integrate financial services into its business platform, positioning the company to capture a larger share of small‑business spend and to deepen customer loyalty through data‑driven insights and tailored financial tools.
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