How do I activate the Amazon Business Prime card benefits?

Benefits activate automatically when you use the card to pay. For car rental CDW, charge the full rental to the card and decline the collision damage waiver at the rental counter. For baggage insurance, the trip must be charged to the card. For purchase protection, extended warranty, and return protection, pay for the item with the card. No pre-registration is required.

Who is covered under the Amazon Business Prime card insurance?

The primary cardholder and Additional Card Members on the same account are covered for purchase protection, extended warranty, and return protection on eligible purchases. For car rental CDW, the cardholder must be listed as the primary driver on the rental agreement. For baggage insurance, the cardholder and immediate family members on the same itinerary are covered when the trip is charged to the card.

Does the Amazon Business Prime card cover rental car damage?

Yes. The Amazon Business Prime card includes secondary collision damage waiver protection up to $50,000 through AMEX Assurance Company. Secondary means your personal auto insurance pays first and the card covers the remainder up to $50,000. Charge the full rental to the card and decline the rental company collision damage waiver at the counter. Coverage applies for rentals up to 30 consecutive days. Geographic exclusions include Australia, Italy, New Zealand, and OFAC-sanctioned countries.

Does the Amazon Business Prime card protect purchases against theft or damage?

Yes. The purchase protection benefit covers eligible purchases against accidental damage or theft for 90 days from the purchase date, up to $1,000 per item and $50,000 per account per year. The item must be purchased with the card. Mysterious disappearance, normal wear and tear, and mechanical breakdown are not covered. File within 30 days of the incident at americanexpress.com/protectionbenefits.

Does the Amazon Business Prime card offer return protection?

Yes. Return protection covers eligible items that a merchant refuses to accept back within 90 days of purchase, up to $300 per item and $1,000 per account per year. The item must be in its original, undamaged condition. Charge the purchase to the card, document the merchant's refusal, then file the claim at americanexpress.com/protectionbenefits or call 1-800-338-1670.

How do I file a claim with the Amazon Business Prime card?

File all claims (CDW, baggage, purchase protection, extended warranty, return protection) with AMEX Assurance Company at americanexpress.com/protectionbenefits or call 1-800-338-1670. For CDW claims, submit the rental agreement and the damage report from the rental company. For baggage claims, submit the airline property irregularity report and your card statement. For purchase protection, keep your original receipt and file within 30 days of the incident.

What does the Amazon Business Prime card NOT cover?

The Amazon Business Prime card does not include trip delay, trip cancellation, or trip interruption insurance. There is no emergency medical expense coverage abroad and no emergency evacuation benefit. Baggage delay is not covered: only lost or stolen bags qualify. CDW is secondary in the US. Cell phone protection and price protection are not included. This card is designed for Amazon Business cashback, not travel protection. For business travel requiring medical or cancellation coverage, a separate travel insurance policy is necessary.

Is the Amazon Business Prime card still issued by American Express?

American Express has announced a transition of the Amazon Business Prime card to U.S. Bank as the new issuer, effective August 14, 2026. After the transition, the rates, fees, and benefit terms may change. Claims on purchases or rentals made before August 14, 2026 remain covered by AMEX Assurance even if filed after the transition date. After August 14, 2026, verify your current benefits directly with U.S. Bank.

Amazon Business Prime Amex card: which insurance benefits actually hold up?

American Express·€0/year·American Express

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read

1,0/5Travel Insurance gap.Independent review · verified June 2026

Travel Insurance

0,2

Car Rental

2,7

Protection

2,2

Our Verdict · Travel Insurance

Our take on travel insurance for the American Express Amazon Business Prime

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Baggage loss only. Travel is wide open. One guarantee, one reimbursement check, and this card's travel insurance story is complete. $1,250 for carry-on bags. That's the ceiling. File one lost-bag claim and you've seen everything this card can do on a trip abroad. Most cardholders carrying a no-fee card assume they get at least basic trip delay or emergency medical. This card has neither. A fractured wrist in Madrid or a 2-day mechanical delay in Tokyo: every dollar comes out of pocket. No-fee cards rarely cover trip cancellation, but a 6-hour delay benefit has become fairly standard across the market. This card skips that entirely. If business travel is part of your routine, pair this card with a separate travel insurance policy. The baggage protection is a useful bonus, not a safety net.

What works on travel

$1,250 for carry-on bags and $500 for checked bags: loss and theft covered at no annual fee

Where travel breaks down

No trip cancellation: all prepaid non-refundable bookings are fully at risk
No trip delay: meals, lodging, and transportation during any delay are out of pocket
No emergency medical abroad: every dollar of any hospital bill is the cardholder's responsibility

Notre méthodologie

Chez HelloSafe, notre expert examine chaque année les contrats, les avis clients et les tarifs du marché. Analyse indépendante, sans influence commerciale sur les notes attribuées.

Travel Insurance · 11 guarantees

What does my Amazon Business Prime Amex card's travel insurance cover?

Quality, not just caps

Guarantee

Status

Limit · Cap

Trip cancellation

Not covered

No trip cancellation insurance exists on this card. A single canceled international flight plus hotel can easily reach $3K to $10K out of pocket.

Medical fees abroad

Not covered

No emergency medical insurance exists on this card. Every dollar of any hospital bill abroad is yours. A serious ER visit in Italy or Japan runs $20K to $80K.

Medical repatriation

Not covered

No medical evacuation coverage. Global Assist Hotline can refer a service, but every dollar of the evacuation cost is the cardholder's responsibility.

Trip interruption

Not covered

Transport delay

Not covered

Missed connection

Not covered

Lost luggage / theft

Not covered

Baggage delay

Not covered

Baggage delay is not covered. Only outright loss or theft qualifies. If your checked bag arrives 24 hours late, no reimbursement applies.

Baggage loss

$1,250 carry-on | $500 checked · Loss and theft only

€1,250

Covered

€1,250

Baggage delay is not covered. Only confirmed loss or theft qualifies. Carry-on coverage is the primary benefit at $1,250 per trip.

Personal liability

Not covered

Hotel theft protection

Not covered

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the American Express Amazon Business Prime wins, and where it loses

An 8-dimension snapshot compared to the Autograph Journey and the average premium travel card.

Compare

Amazon Business PrimeThis card1.0/5?

€0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Autograph Journey

Wells Fargo · €95/yr

Click a layer to highlight its scores on the radar.

Side-by-side comparison

Alternatives to the American Express Amazon Business Prime

HelloCard.sideBySide.subtitle

Card	This card Amazon Business Prime American Express · €0/yr 1.0/5?	Hilton Honors Aspire American Express · €550/yr 2.9/5?	Aeroplan Chase · €95/yr 3.2/5?	Sapphire Reserve Chase · €795/yr 3.9/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	$10,000 per trip 7 covered reasons	$1,500 per person All prepaid travel	$10,000 per person 13 covered reasons
Emergency medical Hospital bills abroad	Not covered Cover this gap →	Not covered	$2,500 Reimbursement only	$2,500 \| $50 deductible $50 deductible
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	Not covered	$100,000 Pre-auth required	$100,000 \| pre-auth required Pre-authorization required
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	6h / $500 Trigger: 6 hours	12h / $500 Trigger: 12 hours	$500 after 6 hours Trigger: 6 hours
Rental CDW Primary or secondary	$50,000 secondary Secondary coverage	Primary (intl) / $75,000 Primary outside US	Secondary / $75,000 Secondary CDW	Primary / $75,000 Primary coverage

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

r/smallbusiness

2024

CDW saved me on a business rental

Rented a car for a client visit, declined CDW at the counter, charged the full rental to the card. Minor damage in a parking lot. Filed with AMEX Assurance and the process was straightforward. Secondary coverage meant my commercial auto was contacted first, but the card covered the gap. Took about 6 weeks to resolve.

r/CreditCards

2024

Good for Amazon purchases, not a travel card

The 5% cashback on Amazon purchases is the real value here. The CDW and purchase protection are useful bonuses. But if you travel frequently and need trip delay or cancellation coverage, look elsewhere. The baggage insurance is a nice surprise for a no-fee card though.

r/entrepreneur

2024

Transition to U.S. Bank is a concern

Heard that AmEx is moving this card to U.S. Bank. Not sure what happens to the current benefits. The CDW and purchase protection have been useful but I am waiting to see what the new issuer does before relying on this card for business travel.

US Assistance

1-800-228-6855

24/7

International Assistance

collect: +1-715-343-7977

Collect calls accepted · 24/7

Benefit administrator: AMEX Assurance Company for CDW, baggage loss, purchase protection, extended warranty, and return protection | Global Assist Hotline for emergency referrals only (coordination, not payment)

Claims & pre-authorizations

How to file an Amazon Business Prime Amex claim

Step 1: Notify within 30 days

Contact AMEX Assurance Company as soon as possible after the incident. For CDW claims, notify within the rental agreement timeframe. For purchase protection and return protection, file within 30 days of the incident. Reach claims at 1-800-338-1670 or at americanexpress.com/protectionbenefits.

Step 2: Gather your documents

Collect all required documents before submitting. For CDW: rental agreement, damage report from the rental company, and police report if applicable. For baggage loss: airline property irregularity report (PIR) and boarding pass. For purchase protection: original receipt and photos of the damage. For extended warranty and return protection: original receipt and proof of purchase.

Step 3: Submit online and track

Submit all documents at americanexpress.com/protectionbenefits. AMEX Assurance will review and respond within 15 business days. Keep copies of all submissions. Payment is issued by check or direct deposit after approval. Claims on purchases or rentals made before August 14, 2026 remain honored by AMEX Assurance even after the transition to U.S. Bank.

Benefits activate automatically when you use the card to pay. For car rental CDW, charge the full rental to the card and decline the collision damage waiver at the rental counter. For baggage insurance, the trip must be charged to the card. For purchase protection, extended warranty, and return protection, pay for the item with the card. No pre-registration is required.
The primary cardholder and Additional Card Members on the same account are covered for purchase protection, extended warranty, and return protection on eligible purchases. For car rental CDW, the cardholder must be listed as the primary driver on the rental agreement. For baggage insurance, the cardholder and immediate family members on the same itinerary are covered when the trip is charged to the card.
Yes. The Amazon Business Prime card includes baggage insurance for carry-on bags up to $1,250 and checked bags up to $500 when baggage is lost, stolen, or damaged. The trip must be charged to the card. Baggage delay is not covered: only outright loss or theft qualifies. New York residents have an aggregate limit of $10,000 per trip. File the claim with AMEX Assurance Company at americanexpress.com/protectionbenefits or call 1-800-338-1670.
Yes. The Amazon Business Prime card includes secondary collision damage waiver protection up to $50,000 through AMEX Assurance Company. Secondary means your personal auto insurance pays first and the card covers the remainder up to $50,000. Charge the full rental to the card and decline the rental company collision damage waiver at the counter. Coverage applies for rentals up to 30 consecutive days. Geographic exclusions include Australia, Italy, New Zealand, and OFAC-sanctioned countries.
Yes. The purchase protection benefit covers eligible purchases against accidental damage or theft for 90 days from the purchase date, up to $1,000 per item and $50,000 per account per year. The item must be purchased with the card. Mysterious disappearance, normal wear and tear, and mechanical breakdown are not covered. File within 30 days of the incident at americanexpress.com/protectionbenefits.
Yes. Return protection covers eligible items that a merchant refuses to accept back within 90 days of purchase, up to $300 per item and $1,000 per account per year. The item must be in its original, undamaged condition. Charge the purchase to the card, document the merchant's refusal, then file the claim at americanexpress.com/protectionbenefits or call 1-800-338-1670.
File all claims (CDW, baggage, purchase protection, extended warranty, return protection) with AMEX Assurance Company at americanexpress.com/protectionbenefits or call 1-800-338-1670. For CDW claims, submit the rental agreement and the damage report from the rental company. For baggage claims, submit the airline property irregularity report and your card statement. For purchase protection, keep your original receipt and file within 30 days of the incident.
The Amazon Business Prime card does not include trip delay, trip cancellation, or trip interruption insurance. There is no emergency medical expense coverage abroad and no emergency evacuation benefit. Baggage delay is not covered: only lost or stolen bags qualify. CDW is secondary in the US. Cell phone protection and price protection are not included. This card is designed for Amazon Business cashback, not travel protection. For business travel requiring medical or cancellation coverage, a separate travel insurance policy is necessary.
American Express has announced a transition of the Amazon Business Prime card to U.S. Bank as the new issuer, effective August 14, 2026. After the transition, the rates, fees, and benefit terms may change. Claims on purchases or rentals made before August 14, 2026 remain covered by AMEX Assurance even if filed after the transition date. After August 14, 2026, verify your current benefits directly with U.S. Bank.