Will an Amazon Business Credit Card Past Due Hurt Your Score

Do you have an amazon business credit card?

Welcome back to ASAP Credit Repair Blog, where we break down everything you need to know about credit, money, and keeping your financial life in check. Joe Mahlow here and today, we’re tackling a hot topic that’s been popping up in my inbox and social media DMs:

Will a past-due Amazon Business Credit Card hurt my credit score?

Short answer? Yes, it absolutely can. 

But let’s not stop there. We’re going to dig into why it happens, what it means for your financial future, and how to avoid those dreaded late-payment blues. So, whether you’re a seasoned entrepreneur or just considering a business credit card for the first time, you’ll want to stick around for this one.

Let’s dive right in.

What Is a Business Credit Card Anyway?

First off, let’s talk about what we’re dealing with here. 

A business credit card like a chase business credit card or the Amazon Business Credit Card isn’t just your average piece of plastic. It’s designed for, well, business! 

You can use it to buy inventory, manage expenses, and even earn perks like cashback or rewards on your purchases.

But here’s the kicker: most business credit cards require a personal guarantee. 

What does that mean?

 It means that even though it’s a “business” card, your personal credit could take a hit if you don’t manage it properly.

All About Amazon Business Credit Card

Now that we’ve covered what business credit cards are, let’s zero in on the Amazon Business Credit Card.

Why is it such a big deal in the business world?

Well, this card isn’t just any tool, it’s become a go-to for entrepreneurs and small business owners alike.

How Popular Is It?

Amazon doesn’t publicly share exactly how many people hold their business credit card. But given the sheer size of their customer base, which is over 300 million active accounts globally. It’s safe to say the Amazon Business Credit Card is a big player.

It’s especially popular with:

• Small businesses that rely on Amazon for office supplies, inventory, or services.
• Startups looking to maximize cashback rewards and manage spending.

Plus, the card’s popularity has skyrocketed because it integrates seamlessly with Amazon’s ecosystem. 

Amazon Business Credit Card Perks and Benefits

Here’s what makes the Amazon Business Credit Card such a hit:

Cashback Rewards

Who doesn’t love cashback? Depending on your version of the card, you can earn:

• 5% back on purchases at Amazon and Whole Foods.
• Rewards for Amazon Web Services (AWS) spend, which is huge for tech-focused businesses.

No Annual Fee

Both the Synchrony and American Express versions of the card come with no annual fee, making it a low-risk option for budget-conscious businesses.

Flexible Payment Terms

You can choose between:

• Earning rewards.
• Taking up to 90 days to pay off purchases interest-free.

Customizable Spending Controls

If you’ve got employees, you can issue cards with spending limits, giving you better oversight on expenses.

With Amazon Business Prime membership benefits sweetening the deal, this card is tailor-made for the modern, digital-first entrepreneur.

What Bank Does Amazon Business Credit Card Use?

Aside from knowing the perks and benefits of having an Amazon business credit line, let’s talk about who finances them.

Who’s actually backing this card? The answer depends on which version of the card you’re using.

Amazon partners with two major banks:

Synchrony Bank - Synchrony issues the Amazon Business Prime American Express Card for small businesses. This version is known for its no-annual-fee structure and simple cashback rewards program. Synchrony is also a big player in retail cards, so they’ve tailored this card to match Amazon’s customer-centric approach.

American Express - If you’re using the Amazon Business American Express Card, you’re getting a card issued by one of the most reputable credit issuers in the world. The AmEx version of the card often appeals to businesses that value additional perks like premium customer service or extended payment flexibility.

Each bank comes with its own unique features, but both work seamlessly within the Amazon ecosystem.

Does Amazon Business Credit Card Pull Personal Credit?

Ah, the golden question: does applying for an Amazon Business Credit Card affect your personal credit? The answer is yes, it can, and here’s why.

When you apply for the card, most issuers perform a hard pull on your personal credit to assess your creditworthiness. This can temporarily lower your personal credit score by a few points—nothing major, but still something to keep in mind.

Here’s an improved version of your text:

Take the Amazon Business Credit Card, for example. Depending on whether it’s issued by Synchrony Bank or American Express, the reporting rules can differ:

• Synchrony Bank: Likely to report all activity—including late payments—to your personal credit report.
• American Express: Typically reports only if your account becomes seriously delinquent.

So, yes, if you miss a payment or go past due, there’s a high chance it will show up on your personal credit report and hurt your score.

Recommended Read: When Does Capital One Report to Credit Bureaus?

Bonus Tip: Even though this is a business credit card, the personal guarantee required by most issuers means your personal credit is always part of the equation.

What does this mean for you?

1. Stay vigilant about payment due dates.
2. Don’t max out the card, even if it has a generous limit.
3. Monitor your personal credit regularly to catch any surprises early.

Think you are ready to get an Amazon Business Credit card? Read on.

How Do You Get an Amazon Business Credit Card?

Getting your hands on one is relatively straightforward. Here’s how it works:

Apply Online

Head to Amazon’s website and apply directly through their portal. You’ll need to provide business details, your personal information, and sometimes tax ID or EIN.

Meet Credit Requirements

While Amazon doesn’t publicly list a minimum credit score, reports suggest you’ll need at least 670 (good credit) to qualify. For those issued by American Express, expect stricter requirements.

Provide a Personal Guarantee

As I mentioned earlier, most applicants must provide a personal guarantee, tying your personal credit to the card.

The Amazon Card Twist

So, why are we singling out the Amazon Business Credit Card here? Because its perks—like cashback and seamless Amazon integration—make it super attractive for small businesses.

But those same benefits can sometimes lull people into overspending.

And here’s the twist: late payments don’t just impact your credit. 

They can also jeopardize your relationship with Amazon. Imagine trying to make a critical purchase for your business, only to find out your account is frozen. Not fun.

Good Read: Worst Credit Card Purchase Your Should Never Make 

Common Amazon Business Credit Card Mistakes (And How to Avoid Them)

Using an Amazon Business Credit Card can be a game-changer, but it comes with risks if you’re not careful. Here’s what to watch out for—and how to protect yourself:

1. Personal Credit Impact

Don’t assume your business activity is entirely separate from your personal credit. Missed payments or high balances on your card can negatively affect your personal credit score.

Tip: Pay on time and keep your balances low to safeguard your credit profile.

2. Falling into the Debt Trap

High spending limits and enticing rewards make it easy to overspend. However, carrying a balance can quickly lead to mounting interest charges.

Tip: Pay off your balance in full each month to avoid unnecessary interest costs.

3. Penalty APRs

A single late payment can trigger a penalty APR, sometimes as high as 29.99%. This could add thousands in interest over time.

Tip: Set up automatic payments or reminders to never miss a due date.

4. Account Suspension Risks

If you’re past due, Amazon may suspend your purchasing privileges. This could leave your business stranded, especially if you rely on Amazon for inventory or supplies.

Tip: Monitor your account regularly and address any payment issues immediately.

The Amazon Business Credit Card is a powerful tool when managed wisely. Always read the fine print and create a clear plan to avoid these costly mistakes.

Amazon Business Credit Card Past Due Impact

Okay, let’s say you missed a payment. Life happens, right? But here’s how it could play out:

The 30-Day Rule

If your payment is less than 30 days late, it’s probably not going to be reported to the credit bureaus. You might get hit with a late fee, and maybe they’ll bump your interest rate, but your credit score should stay intact.

After 30 Days

This is when things start to sting. Most card issuers will report your late payment to the major credit bureaus. That’s when your score could take a hit—a big one.
For context, a single late payment can lower your credit score by 50 to 100 points depending on your current score and credit history.

60, 90, or 120 Days Late

The longer you go without paying, the worse it gets. Penalty APRs, collections, and even account closures could be on the table. Trust me, you don’t want to go there.

Already Missed a Payment? Here’s What to Do

If you’ve already fallen behind, don’t panic—but don’t ignore it, either. Here’s your game plan:

• Make the Payment ASAP
  If it’s within 30 days, you can likely avoid credit damage. Just pay as soon as you can.
• Call Your Issuer
  Explain your situation. Sometimes, they’ll waive the late fee or even agree not to report the late payment if it’s a one-time slip-up.
• Monitor Your Credit Report
  Double-check that any corrections are reflected. And if the late payment was reported in error, dispute it immediately.

The Long Road: Rebuilding Credit

If your score has already taken a hit, don’t worry—you can recover. It just takes time and consistent effort. Focus on:

• Paying on Time Moving Forward: Payment history is the single biggest factor in your credit score.
• Reducing Balances: Keep your credit utilization low.
• Diversifying Your Credit Mix: Consider adding installment loans or secured credit cards to show responsible usage.

Protect Your Credit Score and Take Control Today

A past-due Amazon Business Credit Card payment can harm your credit score and even disrupt your business operations.

The good news? You have the power to prevent and fix these issues. 

By staying vigilant with your payments, understanding the terms of your card, and addressing late payments quickly, you can keep your credit score intact and your business running smoothly.

Already feeling the impact of a missed payment? Don’t let it derail your financial goals. ASAP Credit Repair USA is here to help. We specialize in repairing credit issues efficiently and effectively, so you can focus on what matters—growing your business.

Call us now or visit our website to get started on your credit repair journey today!