Prime Business World Elite Mastercard®
- Best for: Prime members whose businesses buy supplies or cloud services from Amazon
- What Sets It Apart: Its 5% covers AWS and Amazon Business purchases, and Amazon checkout offers 0% monthly payments
- Welcome Offer: $100 or more as an Amazon gift card or statement credit, on approval or after the spending your offer names
- Rewards: 5% at Amazon.com, Amazon Business, AWS, and Whole Foods Market and 2% on your top three of 15 categories each billing cycle, each on the first $150,000 a year; 1% on most other purchases
- Features: Payment plans of up to 12 months with no interest or fee on eligible Amazon purchases, in place of their rewards; employee cards and unlimited virtual cards with spending limits
- Annual Fee: $0
- APR: 17.99% to 29.99% variable
- Cost: No foreign transaction fee; balance transfers and cash advances 4% or $5, whichever is greater; $40 late fee
- Eligibility: An eligible Amazon Prime membership; sole proprietors can apply with a Social Security number
- Pros: Automatic top three categories; interest-free Amazon payment plans; employee and virtual cards
- Cons: Requires Prime; 1% outside its bonus categories; one $150,000 cap on the 5% for all cards
Get the Prime Business World Elite Mastercard® if you already pay for Prime and your business buys heavily from Amazon or AWS. It pays 5% on those purchases, up to $150,000 a year, with no annual fee. Elsewhere, only your three biggest of its 15 categories earn 2%, and most other purchases earn 1%.
U.S. Bank issues this Mastercard to business owners with an eligible Amazon Prime membership, and it replaced the Amazon Business Prime Card from American Express on August 14, 2026. Unlike Chase’s personal Prime Visa, whose 5% at Amazon.com and Whole Foods Market has no yearly cap, this card’s 5% also covers Amazon Web Services (AWS) and Amazon Business but stops at $150,000 a year.
Key Features
- No annual fee or foreign transaction fee
- 5% back at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $150,000 a year, then 1%
- 2% back on the three of 15 categories where your business spends the most each billing cycle, such as dining, gas, and shipping, on the first $150,000 a year, and 1% on most other purchases
- A welcome offer of $100 or more as an Amazon gift card or statement credit
- Open to sole proprietors, side businesses included, who can apply with a Social Security number instead of an employer identification number
Pros
- Top three categories picked automatically each billing cycle, with nothing to activate
- Interest-free payment plans of up to 12 months on eligible Amazon purchases at checkout
- 5% back on prepaid travel through the U.S. Bank Travel Center
- Employee cards, plus unlimited virtual cards with spending limits you set
Cons
- Requires Prime, unlike the Amazon Business Card, which pays 3% instead of 5% on the same purchases
- Just 1% on purchases outside its bonus categories, half what a flat 2% card pays
- One $150,000 cap on the 5% for the whole account, employee cards included
- No rewards on a purchase you split into payments at checkout
Prime members whose business buys heavily from Amazon or AWS should use it for those purchases, where its 5% beats a flat 2% card by 3 cents on each dollar, on up to $150,000 a year. If your spending that earns 1% runs more than three times your spending that earns 5%, a no-fee card paying a flat 2%, such as the U.S. Bank Business Essentials Card, earns more.
Learn more about the Prime Business World Elite Mastercard® or see how it compares to the best small business credit cards.
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