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Side by Side Credit Cards Comparison
American Express Gold Rewards Card®VSAmazon.ca Rewards Mastercard®
Which one is better?
American Express Gold Rewards Card®
4.3
RECOMMENDED CREDIT SCORE*
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
Amazon.ca Rewards Mastercard®
3.1
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
- Earn up to 60,000 Membership Rewards® points
- New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
Welcome Bonus
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn Rewards
- 2x points per $1 spent on gas, groceries and drugstore purchases
- 2x points per $1 spent on travel (eligible flights, hotels, tours and more)
- 1x point per $1 spent on all other eligible 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 1 year
Purchase Protection
90 days
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg?dpl=dpl_Bg8NVdPWs6LJbA672EwrUGnU3wDc)
Car Rental Damage & Theft
yes
Common Carrier Travel Accident Insurance
$500,000
Hotel Burglary Insurance
$500
Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500 per person, $3,000 combined
Trip Interruption
$1,500 per person, $6,000 combinedFlight Delay
$500
Insurance Included
Extended Warranty
Up to a yearPurchase Protection
90 days
Extra Benefits
American Express® Experiences
.svg?dpl=dpl_Bg8NVdPWs6LJbA672EwrUGnU3wDc)
Status lift
Hertz Gold Plus Rewards® loyalty program
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers.svg?dpl=dpl_Bg8NVdPWs6LJbA672EwrUGnU3wDc)
Travel Credit
$100
Nexus Program Rebate
$50 statement credit every 4 years
Complimentary Hotel Benefits
Hotels booked American Express Travel
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Plaza Premium
4 Free complimentary visits
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
1 Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
Interest Rates
Purchase:
21.74%
Cash Advance:
22.99%
Annual Fee
$250
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
Transfer to Airline Partners
1.9¢ / point
Fixed Point Travel Program
1.16¢ / pointTransfer to Hotel Partners
1.08¢ / point.svg?dpl=dpl_Bg8NVdPWs6LJbA672EwrUGnU3wDc)
Flexible Points Travel Program
1¢ / 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® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.
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
- Flexible rewards
- Travel perks
- Comprehensive insurance
- Multiple redemption options
- Instant decision. No credit impact.
Pros
- Impressive Prime optimization
- Foreign currency cashback
Cons
- High annual fee
- Foreign transaction fees
- Limited senior travel insurance
- Limited acceptance
Cons
- Low non-Amazon optimization
- Limited benefits
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Legal
*Terms and conditions apply.
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.