American Express® Green Card vs Amazon.ca Rewards Mastercard®: Which one is better?
American Express® Green Card
3.9
Amazon.ca Rewards Mastercard®
3.1
Welcome Bonus*
Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.
Welcome Bonus
Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for up to 6 months. Up to $150 cashback on top of the normal cashback earned.
Rewards Breakdown
Annual Rewards
$467.86
American Express Membership Rewards
First Year Bonus Value
+
$210
American Express Membership Rewards
Annual Fee
-
$0
First Year Value
$677.86
$467.86 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$251.84
First Year Bonus Value
+
$150
Annual Fee
-
$0
First Year Value
$401.84
$251.84 in years after
Based on a hypothetical $2,000/mo average spending and assuming you are an Amazon Prime member as the primary account holder. Calculate your rewards.
How to Earn Rewards*
- 1x point per $1 spent on all purchases
How to Earn 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 Included*
Extended Warranty
Up to a year
Purchase Protection
90 days
Insurance Included
Extended Warranty
Up to a yearPurchase Protection
90 days
Extra Benefits*
Extra points
2 points on Amex Travel Online purchases
Amex Experiences™
With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Yes
Interest Rates*
Purchase:
21.99%1
Cash Advance:
21.99%1
Interest Rates
Purchase:
19.99%
Cash Advance:
22.99%
Annual Fee*
$0
Annual Fee
$0
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program*
Loyalty Program
N/A
Point Redemption Options*
Most Optimal
Transfer to Airline Partners
2.1¢ / point
Fixed Point Travel Program
1.66¢ / point
Transfer to Hotel Partners
1.66¢ / point
Statement Credits (Cash)
1¢ / point
Gift Cards
0.91¢ / point
Amazon.ca
0.7¢ / point
Merchandise
0.63¢ / point
Point Redemption Options
Not Applicable
Is this card worth it?
The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.
Is this card worth it?
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
- No Spending Limits: Earn unlimited rewards with no caps.
- Flexible Redemption: Transfer points to other loyalty programs for maximum value.
- VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
- Eco-Friendly: The card is made from 99% recycled plastic.
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
- Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
- Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.
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.
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