Target REDcard vs American Express Amazon Business Card

Product Comparison
January 18, 2021

American Express Amazon Business Card vs Target REDcard: Side-by-Side Comparison

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PROS
  • Better cost than American Express Amazon Business Card
  • Better rewards than American Express Amazon Business Card
CONS
PROS
CONS
  • No significant cons
Target REDcard vs. American Express Amazon Business Card: Side-by-Side Comparison
Winner
Target REDcard
Criteria
American Express Amazon Business Card
Winner
3.9
Overall Score
Overall Score
4.7
Overall Score
0.0 stars – View deals >
Pricing
0.0 stars – View deals >
5.0 stars – 2 reviews
4.0 stars – 1 review
5.0 stars – 2 reviews
4.0 stars – 1 review
4.3 stars – 3 reviews
Additional Bonuses
5.0 stars – 1 review
4.0 stars – 2 reviews
4.0 stars – 1 review
5.0 stars – 1 review
Security Features
5.0 stars – 1 review
1.0 stars – 1 review
Cash Advance Cost
5.0 stars – 1 review
1.0 stars – 1 review
5.0 stars – 1 review
3.0 stars – 1 review
Return Check Fee
4.0 stars – 1 review
1.0 stars – 1 review
Damage and Loss Protection
4.0 stars – 1 review
1.0 stars – 1 review
Extended Warranty Protection
5.0 stars – 1 review
2.0 stars – 1 review
Foreign Transaction Costs
5.0 stars – 1 review
3.0 stars – 1 review
Contactless Payment
3.0 stars – 1 review
1.0 stars – 1 review
Debt Transfer Fees
3.0 stars – 1 review
2.0 stars – 1 review
Card Quality
4.0 stars – 1 review
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Target REDcard vs. American Express Amazon Business Card: Comparison Details

Best Cost – Winner: Target REDcard
5.0 stars

For the perks that you get as a Target customer, this is a great card because there is no annual fee.

Last reviewed January 20, 2020. Read all 2 no annual fee reviews.

4.0 stars

Yes, American Express Amazon Business Card does offer no annual fee. You can find additional information about American Express Amazon Business Card's cost on their customer service page here. You can also visit their homepage to see if American Express Amazon Business Card has posted additional information on their cost.

Last reviewed February 4, 2020. Read 1 no annual fee review.

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Best Rewards – Winner: Target REDcard
5.0 stars

While you do have perks with the Target REDcard, you don't earn any points that can be redeemed for rewards, so that makes it less desirable than a lot of cards that have similar benefits but better rewards programs.

Last reviewed January 20, 2020. Read all 2 sign up bonus reviews.

4.0 stars

Yes, American Express Amazon Business Card does offer sign up bonus. You can find additional information about American Express Amazon Business Card's rewards on their customer service page here. You can also visit their homepage to see if American Express Amazon Business Card has posted additional information on their rewards.

Last reviewed February 4, 2020. Read all 2 sign up bonus reviews.

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Best Additional Bonuses – Winner: American Express Amazon Business Card
4.0 stars

5% discount on all eligible Target purchases, 10% discount coupon each year on your card anniversary, 30 extra days for returns, The downside is, is that there is no rewards program for this card.

Last reviewed January 20, 2020. Read all 4 perks reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from American Express Amazon Business Card's website, American Express Amazon Business Card performs very well in terms of additional bonuses relative to other business credit card stores.

The review site amazon.com gives American Express Amazon Business Card excellent ratings for additional bonuses in a review posted on its website. From this review:

It not only gives the status of being an American Express card it also makes you proud to be a business owner. Using it with Amazon is simple and the perks it offers are great.

One reviewer on valuepenguin.com said American Express Amazon Business Card performs well on additional bonuses relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

Amazon Prime cardholders enjoy an enhanced version of the perks on this card — 5% cash back instead of 3% and 90-day interest free financing instead of 60 days.

Learn more at the company's website.

You can also check out the top 10 business credit card stores for additional bonuses, or the overall best-performing business credit card stores on our main review grid.

Looking for American Express Amazon Business Card coupons? Check out the latest deals here. Want more reviews on American Express Amazon Business Card? Read a more in-depth review of American Express Amazon Business Card on this page.

Last reviewed February 4, 2020. Read all 2 perks reviews.

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Best APR – Tie
4.0 stars

The ongoing APR is 25.15% Variable. I'm lucky where I don't carry a balance on my card, but if you do, the charges could start to snowball and you could end up paying a lot more than the benefits of the card give you are worth.

Last reviewed January 20, 2020. Read all 3 interest rates reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from American Express Amazon Business Card's website, American Express Amazon Business Card performs very well in terms of APR relative to other business credit card stores.

One reviewer on marketwatch.com said American Express Amazon Business Card performs well on APR relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

The interest rate on the card varies between the prime rate plus 10.99% and the prime rate plus 18.99%.

One reviewer on thebalance.com said American Express Amazon Business Card performs well on APR relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

For the most part, 90 days with no interest can be the sweeter deal if your interest rate is on the high end.

Learn more at the company's website.

You can also check out the top 10 business credit card stores for APR, or the overall best-performing business credit card stores on our main review grid.

Looking for American Express Amazon Business Card coupons? Check out the latest deals here. Want more reviews on American Express Amazon Business Card? Read a more in-depth review of American Express Amazon Business Card on this page.

Last reviewed February 4, 2020. Read all 2 interest rates reviews.

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Best Security Features – Tie
5.0 stars

Based on reviews posted on popular review sites as well as from Target REDcard's website, Target REDcard performs very well in terms of security features relative to other credit card stores.

Based on information published by Target REDcard, they have excellent support for security features on a page posted on their website. Here's a snippet from the information published on their site:

Target takes a proactive approach to fighting fraud and identity theft. If a transaction or RedCard (Target Mastercard, Target Credit Card or Target Debit Card) application looks suspicious, we may call you to verify that you have authorized the application or transaction. For some online account changes or other changes to your RedCard account, you may be prompted to provide additional information about yourself, your account or your RedCard. This helps reduce the risk of fraud and the possibility of identity theft.

The review site thefinancebuff.com gives Target REDcard excellent ratings for security features in a review posted on its website. From this review:

Target RED Card debit cards saw zero fraud because they must use a PIN. Other cards would be made more secure if they also must use a PIN. Unfortunately those other cards all allow charging without a PIN.

Learn more at the company's website.

You can also check out the top 10 credit card stores for security features, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 fraud protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from American Express Amazon Business Card's website, American Express Amazon Business Card performs very well in terms of security features relative to other business credit card stores.

The review site amazon.com gives American Express Amazon Business Card excellent ratings for security features in a review posted on its website. Specifically, this reviewer pointed out the following:

I experienced fraud on the account and they addressed the issue on the spot. I received a replacement card within 48 hours. #customerexperience

Learn more at the company's website.

You can also check out the top 10 business credit card stores for security features, or the overall best-performing business credit card stores on our main review grid.

Looking for American Express Amazon Business Card coupons? Check out the latest deals here. Want more reviews on American Express Amazon Business Card? Read a more in-depth review of American Express Amazon Business Card on this page.

Last reviewed February 4, 2020. Read all 2 fraud protection reviews.

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Best Cash Advance Cost – Winner: American Express Amazon Business Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of cash advance cost when compared to other credit card stores.

Based on one review posted on moneycrashers.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Here's a brief quote from this review:

No Balance Transfers or Cash Advances. You can’t make balance transfers or draw cash advances with your Target REDcard. That’s a drawback relative to most cash back credit cards, including Chase Freedom.

Based on one review posted on wallethub.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Specifically, this reviewer pointed out the following:

You can't get cash advances with your Target Credit Card, unless you have been upgraded to the Mastercard version, which you can use anywhere that takes Mastercard, including virtually all ATMs. You can’t apply for that card directly. Once you have the Target REDcard Credit Card, it might be offered to you as an upgrade.

Learn more at the company's website.

You can also check out the top 10 credit card stores for cash advance cost, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 cash advance fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from American Express Amazon Business Card's website, American Express Amazon Business Card performs very well in terms of cash advance cost relative to other business credit card stores.

One reviewer on merchantmaverick.com said American Express Amazon Business Card performs well on cash advance cost relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

If you must do a cash advance, expect an APR of 27.24%. This rate is also variable.

The review site fitsmallbusiness.com gives American Express Amazon Business Card excellent ratings for cash advance cost in a review posted on its website. Here's a brief quote from this review:

Additionally, this American Express business credit card has no foreign transaction fees and charges at least $5 for cash advances.

Learn more at the company's website.

You can also check out the top 10 business credit card stores for cash advance cost, or the overall best-performing business credit card stores on our main review grid.

Looking for American Express Amazon Business Card coupons? Check out the latest deals here. Want more reviews on American Express Amazon Business Card? Read a more in-depth review of American Express Amazon Business Card on this page.

Last reviewed February 4, 2020. Read all 2 cash advance fees reviews.

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Best Late Fees – Winner: American Express Amazon Business Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of late fees when compared to other credit card stores.

Based on one review posted on upgradedpoints.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. Here's a brief quote from this review:

Target states users will pay a late fee of $24 when any amount due remains unpaid after the payment due date. All subsequent late fees will be $38 until you reach the minimum required payment by the due date for 6 consecutive billing periods.

Based on one review posted on magnifymoney.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. From this review:

Late payment fees run up to $38. Returned payment fees run up to $27. If you miss a payment, are late on a payment, or only pay the minimum balance, your 5% savings will be automatically negated.

Learn more at the company's website.

You can also check out the top 10 credit card stores for late fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 late payment fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from American Express Amazon Business Card's website, American Express Amazon Business Card performs very well in terms of late fees relative to other business credit card stores.

One reviewer on merchantmaverick.com said American Express Amazon Business Card performs well on late fees relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

There is also a penalty APR of 29.99% if you make a payment that is returned, make two late payments in 12 months, or fail to post the minimum payment during the period it is due.

One reviewer on finder.com said American Express Amazon Business Card performs well on late fees relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

If you make a returned payment or two late payments within 12 months, you’ll incur a penalty APR of 29.99% variable.

The review site amazon.com gives American Express Amazon Business Card excellent ratings for late fees in a review posted on its website. From this review:

Obviously like all credit card, always try to pay on time so you will not incur the crazy APR or late fee. If you are looking for a credit card with low Annual APR, don't consider this card.

Learn more at the company's website.

You can also check out the top 10 business credit card stores for late fees, or the overall best-performing business credit card stores on our main review grid.

Looking for American Express Amazon Business Card coupons? Check out the latest deals here. Want more reviews on American Express Amazon Business Card? Read a more in-depth review of American Express Amazon Business Card on this page.

Last reviewed February 4, 2020. Read all 2 late payment fees reviews.

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Best Return Check Fee – Winner: American Express Amazon Business Card
3.0 stars

Based on ratings published by trusted online review sites as well as information from Target REDcard's website, Target REDcard performs average to better than average in terms of return check fee compared to other credit card stores.

Based on a review posted on investopedia.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

There is also a late payment fee of up to $38 and a return payment fee of $27.

Based on a review posted on smartasset.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. From this review:

Returned Payment: Up to $28

Based on a review posted on finder.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

Late payments come with fees of up to $39 and returned payments have fees of up to $28.

Learn more at the company's website.

You can also check out the top 10 credit card stores for return check fee, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 returned payment fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from American Express Amazon Business Card's website, American Express Amazon Business Card performs very well in terms of return check fee relative to other business credit card stores.

One reviewer on merchantmaverick.com said American Express Amazon Business Card performs well on return check fee relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

This card comes with the gamut of standard credit card benefits, including employee cards, the ability to connect to QuickBooks, and a spending manager. You’ll also get purchase and return protection alongside an extended warranty.

Learn more at the company's website.

You can also check out the top 10 business credit card stores for return check fee, or the overall best-performing business credit card stores on our main review grid.

Looking for American Express Amazon Business Card coupons? Check out the latest deals here. Want more reviews on American Express Amazon Business Card? Read a more in-depth review of American Express Amazon Business Card on this page.

Last reviewed February 4, 2020. Read all 2 returned payment fees reviews.

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Best Damage and Loss Protection – Winner: American Express Amazon Business Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of damage and loss protection when compared to other credit card stores.

Based on one review posted on target.com, it appears that Target REDcard received poor ratings for damage and loss protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for damage and loss protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 purchase protection reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from American Express Amazon Business Card's website, American Express Amazon Business Card performs very well in terms of damage and loss protection relative to other business credit card stores.

One reviewer on fitsmallbusiness.com said American Express Amazon Business Card performs well on damage and loss protection relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

Capital One will replace, repair, or reimburse items in the event of theft or damage.

One reviewer on usnews.com said American Express Amazon Business Card performs well on damage and loss protection relative to its peers. You can read the full review here. From this review:

Along with no foreign transaction fee, other benefits of the Amazon Business Prime American Express Card include car rental loss and damage insurance and baggage insurance.

Learn more at the company's website.

You can also check out the top 10 business credit card stores for damage and loss protection, or the overall best-performing business credit card stores on our main review grid.

Looking for American Express Amazon Business Card coupons? Check out the latest deals here. Want more reviews on American Express Amazon Business Card? Read a more in-depth review of American Express Amazon Business Card on this page.

Last reviewed February 4, 2020. Read all 2 purchase protection reviews.

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Best Extended Warranty Protection – Winner: American Express Amazon Business Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of extended warranty protection when compared to other credit card stores.

Based on one review posted on birchfinance.com, it appears that Target REDcard received poor ratings for extended warranty protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for extended warranty protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 extended warranty protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from American Express Amazon Business Card's website, American Express Amazon Business Card performs very well in terms of extended warranty protection relative to other business credit card stores.

One reviewer on usnews.com said American Express Amazon Business Card performs well on extended warranty protection relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

The American Express Blue Business Cash Card gives users access to purchase protection, extended warranty coverage, baggage insurance, access to its Global Assist hotline, car rental loss and damage insurance, and more.

The review site fitsmallbusiness.com gives American Express Amazon Business Card excellent ratings for extended warranty protection in a review posted on its website. Here's a brief quote from this review:

Any additional features or benefits that come with the card that make it more valuable; the Amazon Business Prime American Express Card offers enhanced data views, purchase and return protection, extended warranty, and several travel coverages

One reviewer on nerdwallet.com said American Express Amazon Business Card performs well on extended warranty protection relative to its peers. You can read the full review here. From this review:

Business benefits from American Express provide business tools, purchase protection, extended warranty protection and travel protections such as car rental loss and damage insurance, to name a few.

Learn more at the company's website.

You can also check out the top 10 business credit card stores for extended warranty protection, or the overall best-performing business credit card stores on our main review grid.

Looking for American Express Amazon Business Card coupons? Check out the latest deals here. Want more reviews on American Express Amazon Business Card? Read a more in-depth review of American Express Amazon Business Card on this page.

Last reviewed February 4, 2020. Read all 2 extended warranty protection reviews.

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Best Foreign Transaction Costs – Winner: American Express Amazon Business Card
2.0 stars

Unfortunately, Target REDcard does not currently offer no foreign transaction fees. You can also visit Target REDcard's foreign transaction costs customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their foreign transaction costs.

Last reviewed January 18, 2021. Read 1 no foreign transaction fees review.

5.0 stars

Yes, American Express Amazon Business Card does no foreign transaction fees. You can find additional information about American Express Amazon Business Card's foreign transaction costs on their customer service page here. You can also visit their homepage to see if American Express Amazon Business Card has posted additional information on their foreign transaction costs.

Last reviewed February 4, 2020. Read all 2 no foreign transaction fees reviews.

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Best Contactless Payment – Tie
3.0 stars

Based on our research, it appears that Target REDcard may not offer tap to pay at the current time. You may be able to find additional information about Target REDcard's contactless payment on their customer service page or FAQ here. You can also visit their homepage to see if Target REDcard has posted any updated information about their contactless payment.

Last reviewed January 18, 2021. Read 1 tap to pay review.

3.0 stars

Based on our research, it appears that American Express Amazon Business Card may not tap to pay at the current time. You may be able to find additional information about American Express Amazon Business Card's contactless payment on their customer service page or FAQ here. You can also visit their homepage to see if American Express Amazon Business Card has posted any updated information about their contactless payment.

Last reviewed February 4, 2020. Read all 2 tap to pay reviews.

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Best Debt Transfer Fees – Winner: American Express Amazon Business Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of debt transfer fees when compared to other credit card stores.

Based on information pulled from their own site, it appears that Target REDcard seems to have poor support for debt transfer fees. See the full page here. Specifically, their website provides the following information:

Transfer Intro APR: Not Offered

Learn more at the company's website.

You can also check out the top 10 credit card stores for debt transfer fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 balance transfer fees reviews.

3.0 stars

Based on our research, it appears that American Express Amazon Business Card may not balance transfer fees at the current time. You may be able to find additional information about American Express Amazon Business Card's debt transfer fees on their customer service page or FAQ here. You can also visit their homepage to see if American Express Amazon Business Card has posted any updated information about their debt transfer fees.

Last reviewed February 4, 2020. Read all 2 balance transfer fees reviews.

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Best Card Quality – Winner: American Express Amazon Business Card
2.0 stars

My experience is, is that the Target card can be damaged really easily. Not exactly sure why, but after having the card for a couple of years the card started to tear where the metallic strip is.

Last reviewed January 20, 2020. Read all 2 card material reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from American Express Amazon Business Card's website, American Express Amazon Business Card performs very well in terms of card quality relative to other business credit card stores.

One reviewer on valuepenguin.com said American Express Amazon Business Card performs well on card quality relative to its peers. You can read the full review here. Here's a brief quote from this review:

The Amazon Business American Express Card is a decent secondary card to be used for any Amazon-related purchases (including Amazon Web Services).

Learn more at the company's website.

You can also check out the top 10 business credit card stores for card quality, or the overall best-performing business credit card stores on our main review grid.

Looking for American Express Amazon Business Card coupons? Check out the latest deals here. Want more reviews on American Express Amazon Business Card? Read a more in-depth review of American Express Amazon Business Card on this page.

Last reviewed February 4, 2020. Read all 2 card material reviews.

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