Best Amazon Credit Cards in Canada For 2025
Published Jan 19, 2025 5:37 PM UTC • 4 min read
You might be someone who regularly purchases from Amazon.
I certainly am!
Knowing which credit card to use when making those purchases is crucial because, over time, you might miss out on a lot of credit card rewards. Here, we will go through the best cards to make your Amazon purchases with so that you can maximize your rewards. We'll explore the best credit card in Canada options specifically tailored for getting the most out of your Amazon shopping.
List of Best Credit Cards for Amazon
Best Amazon card if you have Prime
Amazon.ca Rewards Mastercard®
Amazon.ca Rewards Mastercard®
3.1
go to MBNA's website
Welcome Bonus
Up to $150
Rewards Rate
1% - 2.5%
Annual Fee
$0
Interest Rates
19.99% / 22.99%
If you are a Prime member and want to maximize your cashback on your Amazon purchases, then this card is the best option for that specific purchase category. However, for other purchases, many other cards offer better benefits and rewards.
Pros
- If you are a Prime member, the 2.5% cashback offered on Amazon purchases is unbeatable in terms of rewards compared to other credit cards.
- The 2.5% cashback on all foreign currency transactions helps to offset the extra 2.5% fee.
Cons
- It offers very little on non-Amazon and non-Whole Foods purchases, with many other well-rounded credit cards out there that offer much more.
- Very limited benefits.
Rewards
- 2.5% cashback on Amazon.ca, Whole Foods and foreign currency transactions IF a prime member
- Only 1.5% on Amazon.ca and Whole foods and 1% on foreign currency transactions IF not a prime member
- 1% cashback on everything else
Insurance
Coverage
- 669f0be40a7364750585c9a3
Purchase Protection
90 days - 669f0a4b0a7364750585c6bf
Extended Warranty
Up to a year
Benefits
Details
- 6693e5e12061fa85e68010c8
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car - 669f164d0a7364750585d485
Trip and legal Assistance
Yes
Eligibility
Credit Score
GoodAnnual Income
N/A
It may come as no surprise that the Amazon.ca card offers the highest rewards on your Amazon purchases at a 2.5% rate, but there's a big catch: you must have Amazon Prime. The rewards provided by this card depend on having Prime; without it, you receive much lower rewards, which makes this card less ideal for your Amazon purchases.
Another notable aspect of this card is that it's not a great all-around option in terms of rewards and benefits. It wouldn't be very useful for other purchases. The cards we will discuss next are generally much more well-rounded, and we recommend considering them instead.
Best Amazon Card if you have a Rogers, Fido or Shaw Service
Rogers Red Mastercard®
Rogers Red Mastercard®
4.4
go to Rogers Bank's website
Welcome Bonus*
Up to $60 cash back ($90 if redeemed for Rogers, Fido or Shaw purchases)^
Rewards Rate*
1% - 3%
Annual Fee*
$0
Interest Rates
20.99% - 25.99%* / 22.99% - 27.99%*
This card is one of our top-ranked options in terms of rewards, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is a higher rate than almost any other card offers, even those with annual fees! If you have a high income of $80K or a household income of $150K, you can apply for the World Elite version of this card, which comes with additional insurance and benefits like a lounge pass.
Pros
- Voted as the Best Cash Back Card in Canada for Rogers, Fido and Shaw Customers by FinlyWealth. Compare this card here.
- There is no annual fee, a notable perk for a card with such high reward multipliers. Most cards with slightly lower reward rates typically have annual fees.
- Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing the value of your earned rewards.
- The roam-like benefit is a benefit unique only to this card.
- It is accepted at nearly all locations as it's a Mastercard.
Cons
- No real insurance coverage (only balance protection), not even purchase protection or extended warranty which are pretty standard benefits for almost all credit cards.
- Low rewards multiplier if you don't have an eligible Rogers, Shaw, or Fido service.
Rewards*
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.^
- Otherwise earn 1% unlimited cash back on eligible non-U.S. dollar purchases.^
- Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $80 value).^
Insurance*
Coverage*
- 669f103a0a7364750585cfdd
Balance Protection
Minimum payments
Benefits*
Details*
- 669f15350a7364750585d27b
No Cost roaming
5 days
Eligibility*
Credit Score
GoodAnnual Income
N/A
The second best-recommended card for Amazon purchases is none other than one of the best overall credit cards in Canada and Voted as the Best Cash Back Card in Canada by FinlyWealth for Rogers, Fido and Shaw Customers.
Similar to the Amazon.ca rewards card, the rewards for this card are conditional. The amount of cashback depends on whether you have a qualifying Rogers, Fido, or Shaw service. If not, the rewards would be very little. But if you do, you can get 2% cashback on all your purchases with this card, not just Amazon purchases which is a small portion of your total purchases. If redeemed for one of those services, your cashback rate would be 3%, which would even exceed what you could have earned with the Amazon.ca card.
The Best Rogers Alternative for Amazon purchases
Our choice for: Highest cash back for everyday spending
SimplyCash™ Preferred Card from American Express
SimplyCash™ Preferred Card from American Express
4.6
go to American Express' website
Welcome Bonus*
Up to $250 ($200 in first year)
Rewards Rate*
2% - 4%
Annual Fee*
$119.88⁕
$9.99 Paid Monthly. ⁕ For Quebec, $119/year.
Interest Rates
21.99%* / 21.99%*
The Simply Cash Preferred is one of the best cashback credit cards in Canada. The base cashback rate of 2% is great for all purchases, but the 4% on groceries and gas, which are two of the highest expenses for most people is the cherry on top of their great cashback program.
Pros
- Highest cashback rate on groceries and gas in Canada
- Great base cashback rate for all purchases
- 10 different insurance types included
Cons
- Cash back is only paid out to you once a year
- American Express has a lower merchant acceptance compared to Visa or Mastercard
Rewards*
- 4% cash back on eligible gas station purchases in Canada
- 4% cash back on eligible grocery purchases in Canada (up to $1,200 cash back annually)
- 2% cash back on all other eligible purchases
Insurance*
Coverage*
- 6693e8572061fa85e68011d2
Emergency Out of province Medical
$5M/insured Person - 6693e57d2061fa85e68010a1
Flight Delay
$500 - 6693e57d2061fa85e68010a1
Baggage Delay
$500 - 669f0eb00a7364750585cd48
Hotel Burglary Insurance
$500 - 669f0d110a7364750585cc18
Lost or Stolen Baggage
$500 - 669f0f9d0a7364750585cf2d
Travel Accident
$100,000 - 669f0d9e0a7364750585ccc8
Car Rental Damage & Theft
$85K up to 48 days - 6693e6e1a6ce8cf04e3c219e
Mobile Device Insurance
$1,000 - 669f0be40a7364750585c9a3
Purchase Protection
90 days - 669f0a4b0a7364750585c6bf
Extended Warranty
1 year
Benefits*
Details*
- 669122c0e5bd6be5dd04fcf8
Amex Experiences™
Access events and special offers curated for Cardmembers with Amex Experiences™
Eligibility*
Credit Score
GoodAnnual Income
N/A
If you don't have a qualifying Rogers service or don't want to go with Rogers for any other reason, then the SimplyCash Preferred from Amazon is a great alternative. With 4% cashback on gas and groceries and 2% on everything else, which translates to 2% for Amazon purchases, this is a great card for your Amazon purchases. It also comes with more benefits and insurance than the Rogers card. The big catch is that the card has an annual fee that needs to be paid.
Best Amazon Card for users with high income
Our choice for: Flat cash back rate with some travel perks
Rogers World Elite® Mastercard®
Rogers World Elite® Mastercard®
4.8
go to Rogers Bank's website
Welcome Bonus*
N/A
Rewards Rate*
1.5% - 3%
Annual Fee*
$0
Interest Rates
20.99% - 25.99%* / 22.99% - 27.99%*
This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!
Pros
- Voted the Best Cash Back Card in Canada for Rogers, Fido and Shaw customers by FinlyWealth.
- Voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
- There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
- Many favorable benefits for travelers.
- Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
- Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing your rewards.
- The roam-like benefit is a benefit unique only to this card.
- It is accepted at nearly all locations as it's a Mastercard.
Cons
- Harder to qualify due to the high credit score and income requirements.
- Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.
Rewards*
- Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.^
- Otherwise earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan ever year (up to $80 value).^
Insurance*
Coverage*
- 6693e8572061fa85e68011d2
Emergency Out of province Medical
$1M, Up to 10 days - 6693e8572061fa85e68011d2
Emergency Medical Over 65
$1M, Up to 3 days - 6693e81d5baeecd277be210f
Trip Cancellation
$1,000/person, $5,000 maximum - 66f1dbc5ccd42507a0d4242d
Trip Interruption
$1,000/person, $5,000 maximum - 669f0d9e0a7364750585ccc8
Car Rental Damage & Theft
31 days, $65,000 car MSRP - 669f0be40a7364750585c9a3
Purchase Protection
90 days - 669f0a4b0a7364750585c6bf
Extended Warranty
1 year
Benefits*
Details*
- 669f11530a7364750585d069
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included - 669f15350a7364750585d27b
No Cost roaming
5 days
Eligibility*
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
The Rogers Red World Elite Mastercard is an even better version of the Rogers Red card, but it can only be applied for if you have a high personal or household income. If you don't have any Rogers, Fido, or Shaw service, you can still apply for this card because you earn 1.5% on all purchases (including Amazon), which is a great cashback rate for a card with no annual fee. If you have a service, you will earn the same reward rate as Rogers Red.
The big difference with this card is that, for no annual fee, you will get lots of unique benefits and travel insurances usually available only with cards that have an annual fee. That's why this card is voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
Best Amazon Card with other purchases in mind
Our choice for: Overall Best Credit Card in Canada, great at earning points to be used for travelling
American Express Cobalt® Card
American Express Cobalt® Card
go to American Express' website
Welcome Bonus*
Up to 15,000 Membership Rewards® points
Rewards Rate*
1x - 5x points
Annual Fee*
$155.88⁕
$12.99 Paid Monthly. ⁕ For Quebec, $150/year.
Interest Rates
21.99%* / 21.99%*
This card was voted the Best Credit Card in Canada by FinlyWealth. The rewards earned on this card for a person with average spending exceed those of other credit cards in Canada by a huge margin! In addition, this card has a good benefits coverage, a flexible amex cobalt bonus points redemption program (1:1 transfer to Aeroplan® or Avios), making it the best candidate to become the main credit card for the majority of people.
Pros
- Amex cobalt credit card Points can be transferred to Air Canada Aeroplan® at a 1:1 ratio, making this card a solid Aeroplan® points earner as an alternative to Aeroplan® branded credit cards
- Generous welcome amex cobalt bonus points of up to 15,000
- 4+ different ways of redeeming your points for great value
- 10 different types of insurance, including travel
- Excellent Amex cobalt bonus offers
- Often referred to as the Best Credit Card in Canada
Cons
- Less acceptance of American Express at different merchants across Canada
- Not all types of travel insurance are covered, especially trip cancellation and interruption insurance
Rewards*
- 5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
- 3x points per $1 spent on eligible streaming subscriptions in Canada
- 2x points per $1 spent on eligible gas, transit & ride share in Canada
- 1x point per $1 spent on all other purchases
Insurance*
Coverage*
- 6693e8572061fa85e68011d2
Emergency Out of province Medical
15 days - 6693e57d2061fa85e68010a1
Flight Delay
$500 - 6693e57d2061fa85e68010a1
Baggage Delay
$500 - 669f0eb00a7364750585cd48
Hotel Burglary Insurance
$500 - 669f0d110a7364750585cc18
Lost or Stolen Baggage
$500 - 669f0f9d0a7364750585cf2d
Travel Accident
$250,000 - 669f0d9e0a7364750585ccc8
Car Rental Damage & Theft
yes - 6693e6e1a6ce8cf04e3c219e
Mobile Device Insurance
$1,000 - 669f0be40a7364750585c9a3
Purchase Protection
90 days - 669f0a4b0a7364750585c6bf
Extended Warranty
Up to 1 year
Benefits*
Details*
- 669122c0e5bd6be5dd04fcf8
Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™ - 669f1b9d0a7364750585dd45
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
Eligibility*
Credit Score
FairAnnual Income
N/A
If there is one credit card that we recommend people carry in their pocket, it is the American Express Cobalt card. This card is a points card, and the rewards you can earn with average spending on various day-to-day purchases put it way ahead of every other credit card in Canada. That's why we call it the Best Credit Card in Canada!
You earn great rewards in many of its main categories like restaurants, groceries, and more, and earn the base reward rate of 1 point on Amazon purchases. If redeemed correctly for 2.1¢ per point, this would give you an effective cashback rate of 2.1% on your Amazon purchases.
How to maximize your Savings
Even though these cards give huge cashback or points on Amazon purchases, be careful when redeeming your rewards! It's usually best not to go for Amazon gift cards if you are given the option because it's one of the worst redemptions for your points.
Conclusion
After reviewing the Best Credit cards for Amazon Canada, these were our top picks for your amazon purchases.
- Amazon.ca Rewards Mastercard
- Rogers Mastercard®
- American Express SimplyCash Preferred
- Rogers World Elite® Mastercard®
- American Express Cobalt®
About the author
Abid Salahi
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa... See full bio
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