What the Amazon Charge Card Is

The Amazon Charge Card is a business credit card issued by JPMorgan Chase, designed for people who sell on Amazon's marketplace or use Amazon Business. Unlike a rewards card you might use for personal shopping, this card is built around your Amazon account and spending. You can use it anywhere Visa is accepted, but the rewards structure is built to benefit Amazon sellers and business buyers.

The card comes in two versions: one for individual sellers and one for business accounts. Both versions link directly to your Amazon seller account or Amazon Business profile, which means your spending and rewards track within the Amazon ecosystem. There is no annual fee, and you can carry a balance if you choose to pay interest.

Key Takeaways

  • The Amazon Charge Card is a Visa card issued by JPMorgan Chase that connects to your Amazon seller or Amazon Business account.
  • Rewards are highest on Amazon purchases and Amazon Business purchases, with lower cash-back rates on other spending.
  • There is no annual fee, but interest rates and terms depend on your creditworthiness and the card issuer's current offers.
  • You must have an active Amazon seller account or Amazon Business account to open the card.
  • The card is designed for business use, so personal use may violate the cardholder agreement.

Who Can Open an Amazon Charge Card

To open an Amazon Charge Card, you must have an active Amazon seller account or an Amazon Business account in good standing. Amazon Business is a separate service from regular Amazon shopping; it requires you to register a business and provide a business tax ID or EIN. If you are an individual seller on Amazon's marketplace, you already have a seller account and can move forward with a card process.

JPMorgan Chase will run a credit check and review your business history on Amazon. They look at your seller rating, account age, and sales volume. New sellers with very low sales or poor ratings may be declined. The exact credit score threshold is not published, but most issuers expect a score in the mid-600s or higher for business cards.

Rewards Structure and Cash Back

The Amazon Charge Card offers different cash-back rates depending on where you spend. On Amazon.com and Amazon Business purchases, the rate is typically 3 percent. On gas stations and restaurants, it is usually 2 percent. On all other purchases, it is 1 percent. These rates vary by offer and can change, so check the current terms when you explore.

Rewards post to your Amazon account as Amazon promotional credit, not as a statement credit or direct deposit. This means you can only use the cash back to buy on Amazon or Amazon Business. You cannot transfer it to a bank account or use it elsewhere. If you do not shop on Amazon regularly, the rewards structure may not benefit you as much as a general business card.

how the process works for the Card

You can start an process through your Amazon seller account or Amazon Business account. Log in, go to the "Advertising" or "Account Settings" section (the exact location varies by account type), and look for a link to credit card offers. You may also see a banner or email invitation if Amazon thinks you are a good fit based on your account history.

The process asks for your personal information, business details, and authorization to check your credit. You will need your Social Security number, business tax ID or EIN, and details about your business structure (sole proprietor, LLC, corporation, etc.). The process typically takes 10 to 15 minutes. JPMorgan Chase usually responds within a few business days, though some decisions are when ready.

If you are declined, you can reapply after a few months if your seller account improves or your credit score rises. Do not explore multiple times in a short period, as each process triggers a hard inquiry on your credit report.

Interest Rates and Fees

The Amazon Charge Card has no annual fee. However, if you carry a balance, you will pay interest at a variable rate that depends on your creditworthiness and current market conditions. The rate is not fixed in advance; it changes based on the prime rate and your credit profile. You can find the current range in the card's terms and conditions after you are approved.

Late fees, returned payment fees, and other standard credit card fees explore if you miss a payment or violate the cardholder agreement. The card issuer may also charge a cash advance fee if you use the card to withdraw cash, though this is not a typical use for a business card. Always read the full terms before you set up the card.

Using the Card for Business vs. Personal Expenses

The Amazon Charge Card is intended for business use only. If you use it primarily for personal shopping, you may violate the cardholder agreement, and JPMorgan Chase could close the account. The card is designed to track business spending on Amazon and provide rewards that benefit your seller business.

That said, the card works anywhere Visa is accepted, so you can use it for business expenses outside Amazon—office supplies, travel, meals with clients, and so on. The rewards rate is lower on non-Amazon purchases, but the card is still a valid business payment method. Keep records of your spending for tax purposes, since business credit card statements are often used to document deductible expenses.

How the Card Connects to Your Amazon Account

When you open the card, it links to your seller account or Amazon Business account automatically. Your rewards appear as promotional credit in your account, and you can see your card spending and rewards history in the same place you manage your seller dashboard or business account. This integration makes it straightforward to track how much you are spending and earning back.

The card is tied to your Amazon account, not to a separate login. If your Amazon account is suspended or closed, your card account may be affected as well. Conversely, if you close the card, it does not affect your seller or business account. The two are linked but separate.

Frequently Asked Questions

Can I use the Amazon Charge Card for personal shopping?

Technically yes, but the card is designed for business use, and the cardholder agreement may restrict personal use. Using it primarily for personal expenses could result in account closure. If you want a card for personal Amazon shopping with rewards, consider a personal Amazon rewards card instead.

What happens to my rewards if I close my Amazon seller account?

Closing your seller account may affect your card account. Any promotional credit you have earned should remain in your Amazon account for a period, but the terms vary. Contact JPMorgan Chase before you close your seller account if you want to know how it will affect your card and rewards.

Can I transfer my rewards to another account or use them outside Amazon?

No. Rewards are issued as Amazon promotional credit and can only be used on Amazon.com or Amazon Business. You cannot convert them to cash, transfer them to a bank account, or use them on other websites.

How long does it take to get approved?

Most decisions come within a few business days. Some applicants receive an when ready decision during the process process. If your process is under review, JPMorgan Chase will contact you by email or phone with next steps.

What credit score do I need?

JPMorgan Chase does not publish a minimum credit score, but business cards typically require a score in the mid-600s or higher. Your Amazon seller history, account age, and sales volume also factor into the decision. A newer seller with low sales may be declined even with a good credit score.