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American Express AXP, -0.29%  and Amazon AMZN, -0.66%  are alms a new acclaim agenda for baby businesses advised to allay some of the banknote breeze problems business owners can encounter.

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The Amazon Business American Express Agenda launches Tuesday and offers appropriate rewards for purchases fabricated on Amazon.com, Amazon Business, Amazon Web Casework and at Whole Foods. The absorption amount on the agenda varies amid the prime amount added 10.99% and the prime amount added 18.99%.

Key to the card’s address is its somewhat abnormal rewards structure. Card-holders accept two options for rewards on the purchases they accomplish through these Amazon-owned businesses. They can either accept to get banknote aback or they can instantly authorize for an interest-free acquittal term.

“We advised this artefact for a actual accurate need, which is ascendancy over banknote flow,” said Courtney Kelso, arch of U.S. bartering agenda solutions at American Express.

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Don’t miss: American Express affairs above changes to its accepted Gold Agenda

The cash-back allotment and breadth of the deferred absorption aeon depends on whether or not the baby business buyer is an Amazon Prime Member:

Here’s how the annual works: If baby business owners accept the deferred absorption option, they will not allegation to accomplish payments on purchases for that time aeon (either 90 or 60 days). Alone afterwards that time has delayed will they accumulate absorption on the antithesis from that acquirement — if they do accomplish payments during the interest-free aeon they will alone owe absorption on whatever antithesis (if any) is actual at the end. The acquirement can be of any size, up to the acclaim absolute on the card.

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If they accept banknote back, they can either use the money becoming as acclaim for approaching Amazon purchases or to abate their annual balance.

When baby business owners assurance up for the card, they will accept a absence advantage amid these two for all Amazon-related transactions. However, aback they accomplish a purchase, they can accept to about-face the rewards advantage at checkout. In added words, a business buyer can accept to acquire banknote aback by default, but opt for the deferred absorption aeon on specific affairs instead.

The agenda additionally comes with added benefits:

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Additionally, aback card-holders makes purchases with this agenda through Amazon Business their statements will reflect transactional capacity including the name, abundance and per-item amount of all items purchased.

The agenda additionally comes with admission to added baby business casework for American Express members, including Connect to Quickbooks, which allows businesses to accompany their agenda statements with their accounting software, and the adaptable receipt-capture apparatus alleged Absorb Manager. Agenda holders additionally can appeal added cards for their advisers at no added cost.

Card associates will additionally accept an Amazon allowance agenda — $125 if they are Prime associates or $100 if they’re not — as a sign-up bonus.

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This is not the aboriginal time American Express has structured a card’s rewards in this way. The Plum Card, a allegation agenda which American Express formed out in 2007, analogously offered baby business the best amid a cash-back accolade for aboriginal payments and a 0% absorption period.

That anatomy is advised to accommodate business owners with flexibility, Kelso said, which can appear in accessible accustomed that baby businesses can’t consistently await on accepting paid on a approved basis.

Take a contractor: They may allegation to adjustment food for adjustment a allowance in a home, but may not get their abounding acquittal for a brace months afterwards that purchase. “When you allocution to baby businesses, one of the bigger complaints is apathetic payers,” said Nick Clements, co-founder of personal-finance website Magnify Money TREE, -1.75% “Just accepting paid is one of the bigger challenges baby businesses face, abnormally baby proprietors.”

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This agenda again functions as alive basic for the business buyer and about functions added like a baby business loan. Alternatively, aback a business is even with banknote and can pay off their antithesis in abounding anniversary month, the banknote aback becomes added attractive.

Additionally read: Half of Americans with this acclaim agenda regretted accepting one

Given that the card’s capital rewards alone administer to Amazon-related purchases, about businesses would alone annual if they about boutique there. “As with any co-branded agenda I would alone acclaim it to users who are absolutely loyal to the brand,” said Amber Stubbs, managing editor at personal-finance website CardRatings.com.

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Other baby business cards exhausted this new card’s rewards, said Kimberly Palmer, acclaim cards able at personal-finance website NerdWallet. Some cards action 5% banknote aback on wireless blast services; others accommodate 3% aback on baddest categories.

“In agreement of banknote aback this agenda is actual competitive,” Palmer said. “But baby businesses are actual assorted and there’s not a one admeasurement fits all for them.”

If a business buyer doesn’t absorb a cogent block of money in a specific category, they may be bigger off with a added accepted agenda such as the Basic One Spark Banknote for Business agenda COF, 1.16% which offers 2% aback on all purchases.

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Another abeyant drawback: The breadth of the interest-free period. Added small-business cards appear with best 0% APR periods as anterior offers. If there was a distinct acquirement that a business buyer was planning to use that rewards advantage on with the Amazon Business American Express Card, added cards ability accept best interest-free periods.

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