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Published Sep 13, 2025 8:56 PM UTC • 4 min read
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.
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.
on MBNA's website
Welcome Bonus
Up to $150
Rewards Rate
1% - 2.5%
Cash Back
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
Cons
Rewards
Insurance
Coverage
Purchase Protection
Extended Warranty
Benefits
Details
Car Rental Discount
Trip and legal Assistance
Eligibility
Credit Score
Annual Income
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.
Welcome Bonus
Up to $60 cash back ($90 if redeemed for Rogers, Fido or Shaw purchases) until Sept 16, 2025^
Rewards Rate
1% - 3%
Cash Back
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
Cons
Rewards
Benefits
Details
No Cost roaming
Eligibility
Credit Score
Annual Income
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.
Our choice for: Highest cash back for everyday spending
on American Express' website
Welcome Bonus
Up to $250 ($200 in first year)
Rewards Rate
2% - 4%
Cash Back
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
Cons
Rewards
Insurance
Coverage
Emergency Medical Term
Flight Delay
Baggage Delay
Hotel Burglary Insurance
Lost or Stolen Baggage
Travel Accident
Car Rental Damage & Theft
Mobile Device Insurance
Purchase Protection
Extended Warranty
Benefits
Details
Amex Experiences™
Eligibility
Credit Score
Annual Income
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.
Our choice for: Flat cash back rate with some travel perks
Welcome Bonus
N/A
Rewards Rate
1.5% - 3%
Cash Back
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
Cons
Rewards
Insurance
Coverage
Emergency Medical Term
Emergency Medical (65+)
Trip Cancellation
Trip Interruption
Car Rental Damage & Theft
Purchase Protection
Extended Warranty
Benefits
Details
Airport Lounge - Dragon Pass
No Cost roaming
Eligibility
Credit Score
Annual Income
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.
Our choice for: Overall Best Credit Card in Canada, great at earning points to be used for travelling
on American Express' website
Welcome Bonus
Up to 15,000 Membership Rewards® points
Rewards Rate
1x - 5x points
Points
Annual Fee
$155.88⁕
$12.99 Paid Monthly
⁕ For Quebec, $150/year
⁕ IMPORTANT NOTICE: Effective November 5, 2025, the monthly fee for non-Quebec residents will increase to $15.99 per month ($191.88 annually), and the annual fee for Quebec residents will increase to $191.88 per 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
Cons
Rewards
Insurance
Coverage
Emergency Medical Term
Flight Delay
Baggage Delay
Hotel Burglary Insurance
Lost or Stolen Baggage
Travel Accident
Car Rental Damage & Theft
Mobile Device Insurance
Purchase Protection
Extended Warranty
Benefits
Details
Amex Experiences™
Travel Credit
Eligibility
Credit Score
Annual Income
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.
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.
After reviewing the Best Credit cards for Amazon Canada, these were our top picks for your amazon purchases.
About the author
Abid Salahi
Credit Card Expert
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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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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Sara Skodak
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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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