How does SwipeCaddy pick the best card at Amazon Web Services?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Amazon Web Services's card-acceptance rules, so the "best" card is one you can actually use at the register.

What is the catch with the Prime Business Card's 5% at AWS?

Three things. You need an Amazon Prime membership, the 5% is subject to a combined cap, and the rate drops once you cross it. There is no annual fee on the card itself, so if you already hold Prime and your AWS bill sits under the cap, the 5% is straightforward — just track where the cap kicks in.

Is The Business Platinum Card from American Express worth $895 for AWS?

Not on AWS spend alone. It earns 2x here, the same 2-cent return as several no-annual-fee cards in this ranking, and its rate carries a combined cap with a lower rate after. The $895 fee has to justify itself elsewhere; for the AWS bill itself, a no-fee 2% card matches it.

Best cards at Amazon Web Services

Prime Business Card earns the most at Amazon Web Services right now at 5%. It is a business card, so applying needs a business — including a sole proprietorship.

Rankings use issuer rates verified as of August 16, 2026.

In store

1
#15%
Prime Business Card
U.S. Bank · Mastercard · Business · No annual fee · Requires Amazon Prime · up to $150,000 (combined) · Lower rate after the cap
5%
2
#23x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
3x
3
#32x
The Business Platinum Card from American Express
American Express · Amex · Business · $895/yr · up to $2,000,000/yr (combined) · Lower rate after the cap
2x
4
#42%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
2%
5
#52%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2%
6
#62x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2x
7
#72%
Citi Double Cash Card
Citi · Mastercard · No annual fee
2%
8
#82%
Coinbase One Card
Cardless · Amex · No annual fee
2%
9
#92%
Fidelity Rewards Visa Signature Card
Elan Financial Services · Visa · No annual fee
2%
10
#102%
Navy Federal cashRewards Plus
Navy Federal · Mastercard · No annual fee
2%

Online

Good to know at Amazon Web Services

AWS billing is online only, and network acceptance is a non-issue — cards from every major network can pay the bill. The gap at the top is real: the Prime Business Card from U.S. Bank earns 5% with no annual fee, while everything below it settles at a 2% cash equivalent. On a software bill that recurs every month, that difference adds up.

The 5% comes with strings: it requires Amazon Prime, has a combined cap, and drops to a lower rate after it. The 2% tier has fine print too — both American Express Blue Business cards top out at $50,000 per year, and The Business Platinum Card from American Express charges $895 a year for the same 2-cent return, cap included. Heavy AWS spenders should map their bill against those caps first.

If the Prime Business Card isn't in your wallet — or you don't want a Prime membership riding along — the fallback tier is flat: the Blue Business Cash Card, Apple Card, and Spark Cash Plus all land at 2%. Among those, the no-annual-fee options make the simplest floor; Apple Card just asks that you pay through the mobile wallet, and Spark Cash Plus runs $150 a year.

The math

Spend $300 a month at Amazon Web Services and Prime Business Card returns about $180 a year at our valuations — a flat 2% card returns $72.

Common questions

What is the best credit card at Amazon Web Services?: Prime Business Card earns the most at Amazon Web Services right now at 5%. It is a business card, so applying needs a business — including a sole proprietorship.
How does SwipeCaddy pick the best card at Amazon Web Services?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Amazon Web Services's card-acceptance rules, so the "best" card is one you can actually use at the register.
What is the catch with the Prime Business Card's 5% at AWS?: Three things. You need an Amazon Prime membership, the 5% is subject to a combined cap, and the rate drops once you cross it. There is no annual fee on the card itself, so if you already hold Prime and your AWS bill sits under the cap, the 5% is straightforward — just track where the cap kicks in.
Is The Business Platinum Card from American Express worth $895 for AWS?: Not on AWS spend alone. It earns 2x here, the same 2-cent return as several no-annual-fee cards in this ranking, and its rate carries a combined cap with a lower rate after. The $895 fee has to justify itself elsewhere; for the AWS bill itself, a no-fee 2% card matches it.

Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.