Best Business Credit Cards for Amazon FBA Sellers (2026)
What FBA Sellers Need in a Business Credit Card
Not all business credit cards are equal for e-commerce sellers. The ideal FBA card has:
- 0% intro APR: Fund inventory without interest for 12+ months
- High credit limits: $10K–$50K+ to cover large inventory orders
- Rewards on business spend: Cash back or points on shipping, advertising, and office supplies
- No personal guarantee (eventually): Brex and mature profiles can get no-PG cards
- Reporting to business bureaus: Builds your profile without touching personal credit
Top 7 Business Credit Cards for FBA Sellers
1. Chase Ink Business Cash — Best Overall for FBA
| Feature | Details |
|---|---|
| Sign-up bonus | $750 after $6,000 spend in 3 months |
| Rewards | 5% back on office supplies and internet; 2% back on gas and dining; 1% everything else |
| Intro APR | 0% for 12 months |
| Annual fee | $0 |
| Best for | Inventory funding + supply purchases |
Why it wins: The 5% category covers Uline, Quill, and internet service. The 0% APR gives you a full year to sell through inventory. The $750 bonus offsets your first inventory order. And Chase heavily favors applicants with Chase business banking relationships.
2. American Express Business Gold — Best for Advertising
| Feature | Details |
|---|---|
| Sign-up bonus | 70,000 points after $10,000 spend in 3 months |
| Rewards | 4X points on top 2 categories (shipping, advertising, technology, gas) |
| Intro APR | 0% for 12 months |
| Annual fee | $375 |
| Best for | High-volume sellers with heavy ad spend |
Why it wins: If you spend $5,000+/month on Amazon PPC and Facebook ads, the 4X points dwarf the annual fee. At 1 cent per point, $5,000 in ad spend = $200 in value monthly. The 0% APR is also valuable for inventory.
3. Capital One Spark Cash — Best Simple Cash Back
| Feature | Details |
|---|---|
| Sign-up bonus | $500 after $4,500 spend in 3 months |
| Rewards | 2% unlimited cash back on everything |
| Intro APR | 0% for 12 months |
| Annual fee | $0 first year, then $95 |
| Best for | Sellers who want simplicity |
Why it wins: No categories to track. Every dollar spent earns 2%. Perfect for sellers who buy inventory from diverse suppliers and don't want to optimize categories.
4. Brex Card — Best No Personal Guarantee
| Feature | Details |
|---|---|
| Sign-up bonus | 10,000 points after first purchase |
| Rewards | 7X on rideshare, 4X on Brex Travel, 3X on restaurants, 1X everything else |
| Intro APR | N/A (charge card, pay in full monthly) |
| Annual fee | $0 |
| Best for | Sellers with $50K+ in business bank balance |
Why it wins: Brex does not require a personal guarantee. Approval is based on your business bank balance and revenue, not your personal credit score. For sellers with strong cash flow but thin personal credit, Brex is a game-changer.
5. Chase Ink Business Unlimited — Best for New Sellers
| Feature | Details |
|---|---|
| Sign-up bonus | $750 after $6,000 spend in 3 months |
| Rewards | 1.5% unlimited cash back |
| Intro APR | 0% for 12 months |
| Annual fee | $0 |
| Best for | Sellers with lower monthly spend |
6. Amazon Business Prime American Express — Best for Amazon-Only Sellers
| Feature | Details |
|---|---|
| Rewards | 5% back on Amazon.com and AWS (with Prime); 2% back at restaurants, gas, wireless |
| Intro APR | 0% for 12 months |
| Annual fee | $0 |
| Best for | Sellers who buy supplies and tools on Amazon |
7. U.S. Bank Business Triple Cash — Best for No Annual Fee + Categories
| Feature | Details |
|---|---|
| Rewards | 3% back on gas, office supplies, cell service, restaurants; 1% everything else |
| Intro APR | 0% for 15 billing cycles |
| Annual fee | $0 |
| Best for | Sellers wanting the longest 0% APR period |
Comparison at a Glance
| Card | Best Feature | Intro APR | Annual Fee | PG Required? |
|---|---|---|---|---|
| Chase Ink Cash | 5% on supplies + $750 bonus | 0% 12 mo | $0 | Yes |
| Amex Business Gold | 4X on ads/shipping | 0% 12 mo | $375 | Yes |
| Capital One Spark | 2% everything | 0% 12 mo | $0 yr 1 | Yes |
| Brex | No PG | N/A | $0 | No |
| Chase Ink Unlimited | 1.5% + $750 bonus | 0% 12 mo | $0 | Yes |
| Amazon Amex | 5% on Amazon | 0% 12 mo | $0 | Yes |
| U.S. Bank Triple Cash | 3% categories + 15 mo 0% | 0% 15 mo | $0 | Yes |
How to Choose the Right Card
If You're Just Starting (0–6 months):
Apply for Chase Ink Business Cash if you have a Chase business account. If not, try Chase Ink Unlimited or Capital One Spark Cash. These cards have the best approval odds for new businesses.
If You Spend $5K+/Month on Ads:
Amex Business Gold is worth the $375 annual fee. The 4X points on advertising and shipping generate $200–$400+ in monthly value.
If You Have Thin Personal Credit:
Brex is your best shot. Fund your business bank account with $50K+ and apply. No personal guarantee means no personal credit check.
If You Want the Longest 0% APR:
U.S. Bank Business Triple Cash offers 15 months of 0% APR — 3 months longer than the competition. That's valuable for inventory with longer sell-through cycles.
Application Strategy for FBA Sellers
- Build 60–90 days of Net-30 history first. This strengthens your business credit profile.
- Open a business bank account with the issuer. Chase favors Chase banking customers.
- Pay down existing balances. Keep utilization under 10% before applying.
- Apply on a Tuesday or Wednesday. Some data suggests mid-week applications have marginally better approval rates.
- Be honest about revenue. Estimate conservatively. Issuers verify revenue through bank statements.
- Wait 90 days between applications. Multiple applications in a short window trigger red flags.
Get the Free Business Credit Tracker
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Download Free →Frequently Asked Questions
Can I get a business credit card with no revenue?
Yes, but you'll need a personal guarantee and decent personal credit (650+). Projected revenue is acceptable on the application.
Will applying hurt my personal credit?
Most business card applications trigger a hard inquiry on your personal credit. The inquiry stays for 2 years and typically drops your score 3–5 points temporarily.
Can I use business credit cards for personal expenses?
You shouldn't. Commingling personal and business funds weakens the liability protection an LLC is meant to provide and complicates your taxes. Keep business cards strictly for business use.
What credit score do I need for Chase Ink?
Chase doesn't publish a minimum FICO score. Based on commonly reported applicant experiences, a stronger personal credit profile is generally viewed favorably, and an existing Chase business banking relationship may help offset a thinner file — but there's no confirmed official threshold.
This is informational, not financial advice. Vendor terms, card offers, and bureau reporting policies change, and a general guide can't account for your specific credit history or business situation. Confirm current terms directly with the issuer or vendor before applying. See our editorial policy for how we verify what we publish.