5% back on Amazon + 90-day net terms — free vendor float for ecommerce.
Amazon Business Prime American Express gives 5% back OR 90-day payment terms on Amazon Business + Whole Foods spend (choose per transaction). For an ecom or FBA seller buying $20K–$200K/mo of inventory or supplies, choosing 90-day terms creates a free 90-day A/P float — equivalent to a $60K–$600K working-capital line at 0% APR — while cash rotates through inventory turns.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.