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Canada's Best Credit Cards of 2025 for Amazon purchases
Published Oct 3, 2025 4:20 AM • 4 min read
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Lead WriterYou 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.
Amazon.ca Rewards Mastercard®: Best for if you have Prime
Rogers Red Mastercard®: Best for Rogers, Fido, Comwave, or Shaw Customers
SimplyCash™ Preferred Card from American Express: Best Rogers alternative for Amazon purchases
Rogers Red World Elite® Mastercard®: Best for high-income spenders
American Express Cobalt® Card: Best for balanced rewards
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
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
APPLY NOW
on Rogers Bank's website
Welcome Bonus
N/A
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 No Annual Fee Cash Back Card in Canada for Rogers, Fido and Shaw Customers by FinlyWealth.
- 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, Comwave 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, Comwave or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $90 value).^
Benefits
Details
No Cost roaming
5 days with eligible Rogers mobile plan
Eligibility
Credit Score
GoodAnnual Income
N/A
**, ^, Terms and conditions apply. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com. Standard rate on Purchases and Fees: 20.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, we (Rogers Bank) may still issue you an Account at our alternate interest rates, as follows: Standard Rate for Purchases and Fees: 25.99%, Standard Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%. ®/TM Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank. Rogers Bank is the issuer of this credit card. Check here for full details and current product information.
Our choice for: Best Rogers alternative for Amazon purchases
APPLY NOW
on American Express' website
Welcome Bonus
Up to $250 ($200 in first year)
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
Emergency Medical Term
$5M/insured Person
Flight Delay
$500Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Travel Accident
$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 Experiences™
Access events and special offers curated for Cardmembers with Amex Experiences™
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
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. Check here for full details and current product information.
Our choice for: Best for high-income spenders
APPLY NOW
on Rogers Bank's website
Welcome Bonus
N/A
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 No Annual Fee Cash Back 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 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, Comwave or Fido services, potentially increasing your rewards.
- The Roam Like Home benefit is a benefit unique only to this card through an eligible Rogers mobile plan.
- 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, Comwave 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, Comwave or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $90 value).^
Insurance
Coverage
Emergency Medical Term
Up to 10 daysEmergency Medical (65+)
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
Pass only, complimentary visits not includedNo Cost roaming
5 days with eligible Rogers mobile plan
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
**, ^, Terms and conditions apply. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com. Standard rate on Purchases and Fees: 20.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, we (Rogers Bank) may still issue you an Account at our alternate interest rates, as follows: Standard Rate for Purchases and Fees: 25.99%, Standard Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%. ®/TM Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank. Rogers Bank is the issuer of this credit card. Check here for full details and current product information.
Our choice for: Best for balanced rewards
APPLY NOW
on American Express' website
Welcome Bonus
Up to 15,000 Membership Rewards® points
Annual Fee
See Rates
Interest Rates
21.99%* / 21.99%*
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 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
- 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
Emergency Medical Term
15 days, up to $5M (if under age 65)Flight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Travel Accident
$250,000Car Rental Damage & Theft
yesMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
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™.svg)
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
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
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. Check here for full details and current product information.
From Our Editors: The Full List of Best Credit Cards for Amazon Purchases in 2025
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. Plus, if you redeem your earned rewards for a qualifying service, your cashback rate increases yet again, exceeding what you could have earned with the Amazon.ca card.
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 Mastercard®
- American Express SimplyCash Preferred
- Rogers World Elite® Mastercard®
- American Express Cobalt®
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), and if you redeem your cashback for qualifying services, that rate gets boosted even higher.
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.
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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...
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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 ...
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