Canada's Best Credit Cards of 2026 for Amazon purchases
Published Oct 19, 2026 12:22 PM ā¢ 5 min read
You might be someone who frequently shops on Amazon. I mean, these days, who isn't?
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.
Below, we'll explore the top picks from some of the best credit cards in Canada, specifically those tailored towards getting the most out of your Amazon purchases.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
Our choice for: Best for if you have Prime
on MBNA's website
Amazon Prime member?
Eligible customers unlock boosted rewards on this card
Welcome Bonus
Up to $150
Annual Fee
$0
Interest Rates
21.74% / 22.99%
RECOMMENDED CREDIT SCORE
3.1/5
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
- Impressive Prime optimization
- Foreign currency cashback
Cons
- Low non-Amazon optimization
- 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
Purchase Protection
90 days
Extended Warranty
Up to a year
Benefits
Details
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Yes
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best for Rogers, Fido, Comwave, or Shaw Customers
on Rogers Bank's website
Rogers, Fido, Shaw or Comwave customer?
Eligible customers unlock boosted rewards on this card
Welcome Bonus
Welcome Bonus varies
Annual Fee
$0
Interest Rates
21.99% - 25.99%* / 22.99% - 27.99%*
RECOMMENDED CREDIT SCORE
3.8/5
This card is one of our top-ranked options in terms of rewards, especially if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. With a qualifying service, you can effectively receive up to 2% cashback, which is competitive among other no-fee contenders. If you have a high income of $80K or a household income of $150K, you can apply for the World EliteĀ® version of this card, which comes with additional insurance and benefits like a lounge pass.
Pros
- No annual fee
- Member boosting opportunities
- USD optimization
- Roam Like Home days
- Wide acceptance
Cons
- No insurance
- Low non-member rewards
- Annual spending caps
Rewards
- Earn 2% cash back on all eligible purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. Otherwise, earn 1% cash back on eligible non-U.S. dollar purchases.
- Earn 2% cash back in all eligible purchases made in U.S. dollars.
Benefits
Details
Roam Like Home Days
Get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan.
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best Rogers alternative for Amazon purchases
Welcome Bonus
Up to $250 ($200 in first year)
Annual Fee
$119.88ā
$9.99 Paid Monthly
ā For Quebec, $119/year
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
4.6/5
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.
Awards & Recognition
Best Gas Credit Card
2026
Pros
- High cashback rates
- Solid base rate
- Comprehensive insurance
- Instant decision. No credit impact.
Cons
- Annual cashback redemptions
- Lower acceptance
- Annual fee
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
Travel Medical Insurance (64 & under)
$5M/insured Person
Flight Delay
$500Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$100,000.svg)
Car Rental Damage & Theft
$85K up to 48 days
Mobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Amex Experiencesā¢
Access events and special offers curated for Cardmembers with Amex Experiencesā¢
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best for high-income spenders
on Rogers Bank's website
Rogers, Fido, Shaw or Comwave customer?
Eligible customers unlock boosted rewards on this card
Welcome Bonus
Welcome Bonus varies
Annual Fee
$0
Interest Rates
21.99% - 25.99%* / 22.99% - 27.99%*
RECOMMENDED CREDIT SCORE
4.5/5
This card is one of the best in Canada, especially if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. With a qualifying service, you can effectively receive up to 2% cashback rate, which competitive against other no-fee contenders. 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!
Awards & Recognition
Best No Fee Cash Back Credit Card
2026
Pros
- Top no-fee contender
- Member earning boosts
- USD optimization
- Comprehensive coverage
- Airport lounge membership
- Roam Like Home days
Cons
- High income requirements
- Annual spending caps
Rewards
- Earn 2% cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. Otherwise, earn 1.5% cash back on eligible non-U.S. dollar purchases.
- Plus, earn up to 3% cash back on eligible U.S. dollar purchases.Ā
Insurance
Coverage
Travel Medical Insurance (64 & under)
Up to 10 daysTravel Medical Insurance (65 to 75)
Up to 3 days
Trip Cancellation
$1,000/person, $5,000 maximum
Trip Interruption
$1,000/person, $5,000 maximumCar Rental Damage & Theft
31 days, $65,000 car MSRPPurchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Discounted access to over 1300 airport lounges with Mastercard Travel Pass. Pass only, complimentary visits not included.Roam Like Home Days
Get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan.
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best for balanced rewards
Welcome Bonus
Up to 15,000 Membership RewardsĀ® points
Annual Fee
$191.88ā
$15.99 Paid Monthly
ā For Quebec, $191.88/year
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
4.9/5
This card was voted one of 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 AeroplanĀ® or Avios), making it the best candidate to become the main credit card for the majority of people.
Awards & Recognition
Best Travel Rewards Credit Card
2026
Pros
- Impressive optimization
- 1:1 Aeroplan point transfer
- Generous welcome bonus
- Flexible high value redemptions
- Comprehensive coverage
- Highly ranked
- Instant decision. No credit impact.
Cons
- Limited acceptance
- Lacks valuable coverage categories
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
Travel Medical Insurance (64 & under)
15 days, up to $5M (if under age 65)Flight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Common Carrier Travel Accident Insurance
$250,000Car Rental Damage & Theft
yesMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Amex Experiencesā¢
Access Front Of The LineĀ® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiencesā¢
Eligibility
Credit Score
GoodAnnual Income
N/A
From Our Editors: The Full List of Best Credit Cards for Amazon Purchases
Here's how the cards below compare on cashback for Amazon.ca purchases made in Canadian dollars:
Rogers Bank
3.8
Rogers Bank
4.5
American Express
4.6
$75 cash offer
American Express
4.9
Annual Fee
$0
$0
$0
$119.88
$191.88
Interest Rates
Purchase
21.74%
Cash advance
22.99%
Purchase
21.99% - 25.99%*
Cash advance
22.99% - 27.99%*
Balance transfer
22.99% - 27.99%*
Rate details
Purchase
21.99% - 25.99%*
Cash advance
22.99% - 27.99%*
Balance transfer
22.99% - 27.99%*
Rate details
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Welcome Bonus
Up to $150
Welcome Bonus varies
Welcome Bonus varies
Up to $250 ($200 in first year)
Up to 15,000 Membership RewardsĀ® points
Rewards
$393.95
First year rewards
$240
First year rewards
$360
First year rewards
$609.19
First year rewards
$1,147.38
First year rewards
Finly Offer
Exclusive cash back
ā
ā
ā
ā
on MBNA's website
on Rogers Bank's website
on Rogers Bank's website
on American Express' website
Apply with Confidence ā won't impact your credit score
on American Express' website
Apply with Confidence ā won't impact your credit score
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
1. Best Amazon card if you have Prime
It's no surprise that the Amazon.ca Rewards Mastercard offers one of the highest reward rates on your Amazon purchases. The catch? You need Amazon Prime. Why? The rewards provided by this card depend on a Prime membership; without it, you receive much lower cashback rates, 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. Bottom line: it's not very useful for other purchases. With this in mind, the Amazon.ca Rewards Mastercard is a good secondary credit card, but not a great primary card. The cards we'll discuss next are generally much more well-rounded.
To learn more, read the Amazon.ca Rewards Mastercard Review.
2. Best Amazon card if you have a Rogers, Fido, Comwave, or Shaw Service
The second best-recommended card for Amazon purchases is none other than one of the best cash back cards in Canada for Rogers, Fido, Comwave, and Shaw Customers: the Rogers Red Mastercard.
Similar to the Amazon.ca rewards card, the cashback rates on this card are conditional. The amount of cashback you'll receive depends on whether you have a qualifying Rogers, Fido, Comwave, or Shaw service. If you don't have one of these services, the reward rates are less impressive. If you have an eligible service, you can get more cashback on all your purchases, including Amazon purchases. Note as well that this credit card is subject to annual spending caps. If you exceed this yearly threshold, your rewards will drop to the card's base rate.
For more details, check out the Rogers Red Mastercard Review.
3. The Best Rogers alternative for Amazon purchases
If you don't have a qualifying Rogers service and don't intend to, then the SimplyCash Preferred from American Express is a solid well-rounded alternative for Amazon purchases and your daily expenses. The card boasts strong cashback on gas and groceries, plus a commendable base rate on everything else, including Amazon purchases. It also comes with more benefits and insurance than the Rogers card. The biggest drawback is that this contender has an annual fee.
Learn more by reading the SimplyCash Preferred Card Review.
4. Best Amazon card for spenders with a high income
The Rogers Red World Elite Mastercard is an upgraded version of the Rogers Red Mastercard, but it requires a high personal or household income. If you don't have any Rogers, Fido, Comwave, or Shaw services, you can still apply for this card because you earn solid cashback on all purchases (including Amazon purchases), which is a great for a card with no annual fee.
This card also gives you tons of unique benefits and travel coverage, perks that are usually only available through cards with a yearly cost. That's why this card is voted our Best No Annual Fee Credit Card in Canada.
Overall, it shouldn't come as a shock that this contender is also voted one of our Best Cashback Credit Cards in Canada, particularly if you're a Rogers customer with a high income.
To read more, check out the Rogers Red World Elite Mastercard Review.
5. Best Amazon Card with other purchases in mind
If there's one credit card we recommend people carry in their pocket, it's 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 consider it one of the Best Rewards Credit Cards in Canada!
With this card, you earn amazing rewards in many of its main categories like restaurants, groceries, and more, and receive a base reward rate of 1 point on Amazon purchases. If redeemed strategically towards travel, this would give you a competitive converted cashback rate on your Amazon purchases.
For the full breakdown, read the American Express Cobalt Card Review.
How to save on your Amazon purchases
There are a few ways to save on your Amazon purchases. As we know from this blog post, you can always optimize your Amazon purchases by applying for an Amazon-purchase-friendly credit card, whether that be the co-branded Amazon Mastercard or one of the more well-balanced alternatives.
With cashback cards, the rewards you earn can be applied as statement credits, which can help offset future Amazon.ca purchases made with your card.
Of course, you can also use an eligible points card to redeem your points towards Amazon purchases, but this often yields a lower cent-per-point value than other redemption categories.
Additionally, to make the most out of the co-branded Amazon Mastercard and your Amazon purchases in general (no matter which card you choose) you can save on purchases and shipping by signing up for Amazon Prime; Amazon's paid subscription service that unlocks streaming, music, games, and exclusive deals and discounts. As a Prime member, you'll get access to Prime Day, Amazon's members-only sale that features some of the best discounts of the year.
Conclusion
After reviewing the Best Credit cards for Amazon Canada, these were our top picks for your amazon purchases:
- Amazon.ca Rewards Mastercard
- Rogers Red Mastercard
- American Express SimplyCash Preferred
- Rogers World EliteĀ® Mastercard
- American Express CobaltĀ®
Frequently Asked Questions
If you're already an Amazon Prime member, the Amazon.ca Rewards Mastercard is a great choice. With this card, Prime members receive more cashback on Amazon purchases, compared to what they would receive without Prime. Still, this card isn't the best for everyday expenses, making it ideal as a secondary card for Amazon purchases specifically.
Yes. As seen above, there are plenty of alternatives to the Amazon.ca Rewards Mastercard that still optimize your Amazon purchases. If you're a Rogers, Fido, Comwave, or Shaw customer, then your best option is the Rogers Red Mastercard. Better yet, if you happen to have a higher income, you can always opt for the Rogers Red World Elite Mastercard. Both Rogers-affiliated cards get you amazing cashback on all purchases (including Amazon).
If you don't have a qualifying Rogers service and still want a well-rounded card that complements your Amazon purchases and everyday spending, consider either the SimplyCash Preferred Card from American Express for cashback or the American Express Cobalt Card for points. Note, however, that both these contenders come with annual fees.
The best way to save on Amazon purchases is, of course, to take advantage of one of the credit cards listed above. In addition to this, you can also sign up for a Prime membership to save on products and shipping and make purchases during sale events like Prime Day.
Yes. The Amazon.ca Rewards Mastercard is issued by MBNA, has no annual fee, and earns cash back. Prime members earn 2.5% cash back on Amazon.ca and Whole Foods purchases (1.5% without Prime), plus 1% cash back on everything else.
It can be, if you're a Prime member who wants to maximize cash back on Amazon purchases specifically. For other everyday spending, many other cards offer better rewards and benefits, which is why we see it as a good secondary card rather than a primary one.
Its best rewards do. Prime members earn 2.5% cash back on Amazon.ca and Whole Foods purchases, while non-Prime members earn 1.5%. Without Prime, the card is much less compelling for Amazon purchases.
The Amazon.ca Rewards Mastercard earns cash back, not points. If you'd rather earn points, the American Express Cobalt earns a base rate of 1 point per $1 on Amazon purchases and more in categories like eats and drinks, groceries and streaming, but it has a $191.88 annual fee. Keep in mind that redeeming points directly for Amazon purchases often yields a lower cent-per-point value than other redemption options.
About the author
Abid Salahi
Co-founder
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. Heās a seasoned software engineer who follows best practices and designs interfa...
SEE FULL BIOAbout the editor
Kevin Shahnazari
Co-founder
Kevin started FinlyWealth and juggles a bit of everythingādigging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
SEE FULL BIOAbout the reviewer
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
SEE FULL BIO