Amazon Business Cards Are Moving to U.S. Bank and Mastercard
Amazon Business and Prime Business credit cards are shifting from American Express to U.S. Bank and Mastercard, with new cards arriving before the August 2026 transition.
TL;DR
Amazon Business and Prime Business cards are transitioning from American Express to U.S. Bank and Mastercard.
- Amazon Business and Prime Business cards are transitioning from American Express to U.S. Bank and Mastercard.
- Amazon says Prime Business cardholders can earn 5% back on eligible U.S. Amazon Business, AWS, Amazon.com, and Whole Foods Market purchases, with a $150,000 annual cap before 1%.
- Existing cardholders should update saved payments and benefit trackers around the August 2026 card-use transition.
What changed
Amazon Business and Prime Business credit cards are moving from American Express to U.S. Bank and Mastercard. Amazon announced the new U.S. Bank-issued Mastercard products earlier in 2026, and Doctor of Credit reports that replacement cards are now arriving for existing cardholders.
The operational date to watch is August 14, 2026, based on the transition notice reported by Doctor of Credit. Existing cardholders should treat that as a saved-payment and tracker-cleanup deadline, then verify the exact date in their own issuer message.
Key details
| Category | Amazon's announced setup | What to check now |
|---|---|---|
| Issuer and network | U.S. Bank and Mastercard | When your Amex-issued card stops working and when the new card activates |
| Prime Business earn rate | 5% back on eligible U.S. Amazon Business, AWS, Amazon.com, and Whole Foods Market purchases | Whether the purchase is eligible and whether the $150,000 annual cap is relevant |
| Non-Prime Business earn rate | 3% back on eligible purchases in the same core channels | Whether Prime status is attached to the right business account |
| Cap | 5% or 3% applies on the first $150,000 in eligible annual purchases, then 1% | Reset timing and spending already applied to the cap |
| Annual fee | No annual fee in Amazon's announcement | Confirm the U.S. Bank pricing terms before relying on this for accounting |
Who should care
This is most urgent for businesses that use the card as a default Amazon, AWS, or Whole Foods payment method. A new issuer and network can mean a new card number, new autopay setup, new wallet entries, new accounting labels, and a different dispute or support path.
The rewards math is also worth tracking. If your business spends heavily across Amazon Business or AWS, the $150,000 annual cap is a real line item. If you are below the cap, the bigger risk is missing rewards because a saved payment failed or a purchase moved to the wrong card during the transition.
What to do next
- Find the cardholder transition email or in-account notice and save the exact date for your account.
- Update saved payments for Amazon Business, Amazon.com, AWS, Whole Foods, wallets, and accounting tools.
- Add the $150,000 annual cap to your tracker if you are a high-spend business user.
- Keep the old Amex statement and new U.S. Bank statement available for reconciliation.
- Verify the U.S. Bank benefit guide before assuming all Amex-era terms carried over.
Sources
Official source: Amazon's Prime Business and Amazon Business credit card announcement.
Transition signal: Doctor of Credit's report that Amazon Business cards are changing issuers from American Express to U.S. Bank.
Keep exploring
Frequently asked questions
Who issues the new Amazon Business credit cards?
Amazon announced that the new Prime Business and Amazon Business cards are issued by U.S. Bank and use the Mastercard network.
What is the key rewards cap?
Amazon's announcement says the 5% Prime Business rate or 3% non-Prime Business rate applies to the first $150,000 in eligible annual purchases, then purchases earn 1%.
Before you act
- Issuer, network, rewards, cap, transition, and account terms can change.
- Verify current terms directly with Amazon, U.S. Bank, American Express, and Mastercard before acting.
- This article is for informational purposes only and is not financial advice.
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