What the BPME Rewards Visa is and who issues it

The Business Prime Member Exclusive Rewards Visa (BPME) is a co-branded credit card issued by Synchrony Bank in partnership with Amazon Business. It is designed for business owners and employees who have an Amazon Business account and want to earn rewards on their spending.

The card is issued by Synchrony, not by Amazon or a bank you may already use. This matters because your billing, statements, and customer service all run through Synchrony's systems. The card itself carries the Visa network, so it works anywhere Visa is accepted — not just on Amazon.

You need an active Amazon Business account to hold this card. If you do not have one, you will need to set one up before you can be considered for the card. Amazon Business is free to open and is separate from a personal Amazon account.

Key Takeaways

  • The BPME Rewards Visa earns 3% cash back on Amazon Business purchases and 1% on all other purchases, with no annual fee.
  • You must have an Amazon Business account to hold the card, and Synchrony Bank handles all billing and customer service.
  • The card offers a 0% introductory APR period on purchases for a limited time, after which the standard variable APR applies.
  • Rewards are issued as statement credits that you can use toward your Synchrony bill or redeem through your account.
  • The card reports to business credit bureaus, so it can help build business credit history if you use it responsibly.

Earning structure and cash back rates

The card earns 3% cash back on all purchases made through Amazon Business, including supplies, equipment, and services. This rate applies whether you buy from Amazon's own inventory or from third-party sellers on the Amazon Business marketplace.

On all other purchases — gas, restaurants, utilities, office supplies from other vendors — you earn 1% cash back. There is no bonus category beyond Amazon Business, and the 1% rate applies to everything outside that platform.

Cash back is issued as a statement credit, meaning it reduces your balance due on your Synchrony bill. You do not receive it as a separate check or transfer. Some cardholders prefer this because it happens automatically, but you cannot redirect the rewards elsewhere.

Introductory APR and ongoing interest rates

New cardholders receive a 0% introductory APR on purchases for a set period. The length of this period varies and is disclosed in your offer and in the terms you receive after approval. During this window, you pay no interest on purchases, even if you carry a balance month to month.

After the introductory period ends, the card moves to a variable APR that Synchrony sets based on your creditworthiness and current market rates. This APR can change over time. If you do not pay your full balance by the end of the introductory period, interest begins accruing on any remaining balance at the variable rate.

There is no annual fee, so you do not pay to hold the card. This makes it less costly to keep open even if you use it only occasionally.

How to open an account and what you need

To open a BPME Rewards Visa account, you start on the Amazon Business website or through a direct offer. You will need your Amazon Business account login and basic business information: your business legal name, tax ID (EIN or SSN if you are a sole proprietor), and business address.

Synchrony will pull your personal credit report to assess your creditworthiness. This is a hard inquiry, meaning it shows up on your credit report and may lower your score slightly. You will also need to provide your Social Security Number so Synchrony can verify your identity.

The process takes about 10 to 15 minutes. You will receive a decision within minutes to a few business days. If approved, your card ships to your business address within 7 to 10 business days.

Business credit reporting and building business credit

The BPME Rewards Visa reports to business credit bureaus — primarily Dun & Bradstreet, Equifax Business, and Experian Business. This is different from personal credit reporting and means your payment history on this card builds your business credit profile, not your personal credit.

Business credit is separate from personal credit and is used by vendors, lenders, and suppliers to assess your business's creditworthiness. If you are trying to build business credit from scratch, using this card responsibly — paying on time, keeping your balance low — helps establish a track record.

However, if you miss payments or carry a high balance relative to your credit limit, that also reports to business bureaus and can hurt your business credit score. The stakes are the same as with personal credit cards, just on a different reporting system.

Comparing the BPME Rewards Visa to other business cards

The main competitor in this space is the Amazon Business American Express Card, which also offers 3% back on Amazon Business purchases. The American Express version has no introductory APR offer but also has no annual fee. The choice between them often comes down to which network your vendors prefer and whether you value the introductory rate.

Other general business cards like the Chase Ink Business Preferred offer higher rewards rates (3% to 5%) on a wider range of categories — shipping, internet, cable, and advertising — but do not offer the 3% rate on Amazon Business specifically. If most of your spending is on Amazon Business, the BPME card may be simpler. If your spending is spread across many vendors, a card with broader categories might earn more.

The BPME card is best suited for businesses that spend heavily on Amazon Business and want a straightforward rewards structure with no annual fee. It is less useful if your business spending is primarily offline or with vendors outside Amazon.

Managing your account and redeeming rewards

You manage your BPME Rewards Visa account through Synchrony's online portal or mobile app. You can view your balance, make payments, set up autopay, and read statements. Synchrony also offers phone support during business hours.

Rewards appear as statement credits automatically. You do not need to redeem them manually — they straightforward reduce your next bill. If you want to track how much you have earned, you can see your rewards balance in your account dashboard.

Payments can be made online, by phone, or by mail. Synchrony accepts payments from any bank account. If you set up autopay, you can choose to pay your full balance each month, a fixed amount, or the minimum due. Paying your full balance avoids interest charges after the introductory period ends.

Frequently Asked Questions

Do I need a separate Amazon Business account, or can I use my personal Amazon account?

You need a separate Amazon Business account. Personal Amazon accounts do not may have access to for the BPME Rewards Visa. Creating a Business account is free and takes a few minutes. You can link it to the same email address as your personal account if you want.

What happens to my rewards if I close the card?

Any rewards you have already earned remain on your account as statement credits and can be used to pay your final balance. Rewards do not expire as long as your account is open. Once you close the account, you lose the ability to earn new rewards, but existing credits stay available until your account is fully paid off.

Can I use this card for personal purchases?

Yes, you can use the card anywhere Visa is accepted, including personal purchases. However, you only earn 3% cash back on Amazon Business purchases; everything else earns 1%. The card is designed for business use, but there is no restriction preventing personal use.

Will opening this card hurt my personal credit score?

Opening the card triggers a hard inquiry on your personal credit report, which may lower your score by a few points temporarily. However, the card itself reports to business credit bureaus, not personal bureaus, so ongoing use does not directly affect your personal credit score — only your business credit profile.

What is the credit limit, and can I request an increase?

Your initial credit limit depends on your creditworthiness and is set by Synchrony at approval. You can request a credit limit increase after you have held the card for a few months and have established a payment history. Contact Synchrony through your account or by phone to request an increase.