Unlock additional savings, promotional financing and more with the right credit card for your Amazon Prime purchases.
While Amazon’s position as one of Canada’s top online retailers is indisputable, what may not be as obvious is that the right credit card can get you the most bang for your buck. There are a number of great credit cards for online shopping that will help you save on every splurge, but if you’re a frequent Amazon shopper, there are some cards that are simply better than the rest.
To help you supercharge your next spending spree, we’ve put together a roundup of the best cards for Amazon shopping in Canada, including the MBNA Amazon credit card.
3 best cards for Amazon
American Express Cobalt® Card
Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value.
Amazon.ca Rewards Mastercard®
Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
SimplyCash® Card from American Express
Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).
Best overall for Amazon purchases
up to 15k pts
Welcome Bonus
$679.02
First Year Value
$529.02
Annual Value
Welcome Bonus: Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
Get this card if you...
-
quickly rack up rewards on dining and grocery purchases
-
want a flexible rewards program with travel rewards
-
want access to exclusive events and robust travel insurance
Annual Fee & Annual Interest Rates
$155.88
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
-
Our Take
The American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
American Express Cobalt® Card ReviewEligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
-
Pros
-
High earn rates (up to 5% return on spending!)
-
Flexible month-by-month fee structure
-
Free supplementary cards
-
1:1 points transfer with selected hotels, airlines and frequent flyer programs
Cons
-
Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)
-
Amex has a more limited merchant acceptance rate than Visa and Mastercard
-
Slightly higher than average annual fee
-
-
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$155.88
Annual Fee
$2.5
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
-
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
-
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
American Express Cobalt® Card ReviewEligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
-
High earn rates (up to 5% return on spending!)
-
Flexible month-by-month fee structure
-
Free supplementary cards
-
1:1 points transfer with selected hotels, airlines and frequent flyer programs
Cons
-
Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)
-
Amex has a more limited merchant acceptance rate than Visa and Mastercard
-
Slightly higher than average annual fee
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$155.88
Annual Fee
$2.5
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
The American Express Cobalt® Card has a generous welcome bonus and includes a special perk for those who shop at Amazon.ca. Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards a weekend getaway or concert tickets. Conditions apply.
Here's how the welcome bonus breaks down:
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
As part of the Membership Rewards® program, you can redeem your points instantly at checkout on Amazon.ca through the Shop with Points program.
The card also features an incredibly generous earn rate of 5 points for every $1 spent at eligible grocery stores, restaurants, bars, cafes, and on food delivery services in Canada. You’ll also earn 3 points per $1 spent on eligible streaming services and 2 points for every $1 you spend on travel and transit. You get 1 point for every $1 on all other purchases.
Key Features
- Welcome bonus: Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*. Conditions apply.
- Earn rate: 3 points per $1 spent on eligible streaming services and 2 points for every $1 you spend on travel and transit and 1x point on all other purchases. 1 additional Membership Rewards point on eligible hotel and car rental bookings via American Express Travel Online.
- Annual fee: $155.88 ($$12.99/month)
Disclosures:
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.
Best cash back card for Amazon
bonus 5% back
Welcome Bonus
$437.5
First Year Value
$337.5
Annual Value
Welcome Bonus: Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).
Get this card if you...
-
want to earn cash back, without an annual fee
-
value purchase protection and extended warranty coverage
-
want to maximize cash back rates, with no spending caps
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
-
Our Take
The SimplyCash® Card from American Express is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for eligible gas and grocery store purchases in Canada, up to a specified annual limit. Cardholders benefit from purchase protection and extended warranty coverage.
SimplyCash® Card from American Express ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
-
Pros
-
No annual fee for primary or additional cardholders
-
Solid regular cash back rate on all eligible purchases - up to 2% cash back on all eligible purchases
-
No limit to the amount of cash back you can earn at the base rate
Cons
-
Cash back is only applied as a statement credit once a year
-
Amex cards aren’t accepted by every merchant
-
-
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
-
Rewards cash back
2%
cash back on eligible gas station purchases in Canada
2%
cash back on eligible grocery store purchases in Canada (up to $300 cash back annually)
1.25%
cash back on all other purchases
Insurance Benefits
$100,000
Travel accident insurance amount
-
Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).
That’s on top of your everyday cash back earn rates.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The SimplyCash® Card from American Express is a no-annual-fee credit card offering cash back on everyday purchases, with elevated rates for eligible gas and grocery store purchases in Canada, up to a specified annual limit. Cardholders benefit from purchase protection and extended warranty coverage.
SimplyCash® Card from American Express ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
Pros
-
No annual fee for primary or additional cardholders
-
Solid regular cash back rate on all eligible purchases - up to 2% cash back on all eligible purchases
-
No limit to the amount of cash back you can earn at the base rate
Cons
-
Cash back is only applied as a statement credit once a year
-
Amex cards aren’t accepted by every merchant
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards cash back
2%
cash back on eligible gas station purchases in Canada
2%
cash back on eligible grocery store purchases in Canada (up to $300 cash back annually)
1.25%
cash back on all other purchases
Insurance Benefits
$100,000
Travel accident insurance amount
Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).
That’s on top of your everyday cash back earn rates.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
The SimplyCash® Card from American Express has neither an Amazon-specific perk to drool over nor enhanced cash back earn rates for certain spending categories; but that’s precisely what makes it so appealing. The card earns 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases with no limits to the amount of total cash back you can earn. So although it technically earns less cash back on Amazon spending than, say, MBNA’s Amazon.ca Rewards Mastercard®, it will probably earn more cash back for you on all your combined spending overall at the base rate, and will likely be a more lucrative card for the majority of people. Plus there’s no annual fee.
Key Features
- Welcome offer: Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).. Conditions apply.
- Cash back: Earn 2% cash back on eligible gas station purchases in Canada, 2% back on eligible groceries in Canada (up to $300 cash back annually) and 1.25% back on everything else.
- Additional features: Bonus cash back for card referrals; travel accident insurance; Buyer’s Assurance and Purchase Protection
- Annual fee: No annual fee
Disclosures:
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.
Best travel card for Amazon purchases
up to $1,000
Welcome Bonus
$468
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.
Get this card if you...
-
are a frequent traveler and prefer Expedia for bookings
-
want comprehensive travel insurance to ensure peace of mind
-
value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
The TD First Class Travel® Visa Infinite* Card is a travel rewards credit card offering elevated TD Rewards Points on purchases made through Expedia® For TD, as well as on groceries and dining. Cardholders benefit from a substantial welcome bonus, an annual $100 TD Travel Credit, and access to Visa Infinite privileges, including concierge services and exclusive experiences.
TD First Class Travel® Visa Infinite* Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
-
Pros
-
Major combined value for the welcome bonus (up to $1,000 in value)†
-
Good base earn rate on all purchases
-
Huge earn rate when you book travel through Expedia® For TD†
-
Very flexible redemption options
-
$100 TD Travel Credit†
-
Visa Infinite Benefits
-
Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan
Cons
-
Does not provide free lounge access
-
Charges foreign transaction fees
-
-
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through ExpediaForTD†
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on groceries and restaurants.†
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on recurring bill payments.†
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10% Bonus Points
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
$100
Get an annual TD Travel Credit when you book at Expedia For TD†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
-
Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Starbucks Bonus Offer for New Linked Membersx: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
Our Take
The TD First Class Travel® Visa Infinite* Card is a travel rewards credit card offering elevated TD Rewards Points on purchases made through Expedia® For TD, as well as on groceries and dining. Cardholders benefit from a substantial welcome bonus, an annual $100 TD Travel Credit, and access to Visa Infinite privileges, including concierge services and exclusive experiences.
TD First Class Travel® Visa Infinite* Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
Major combined value for the welcome bonus (up to $1,000 in value)†
-
Good base earn rate on all purchases
-
Huge earn rate when you book travel through Expedia® For TD†
-
Very flexible redemption options
-
$100 TD Travel Credit†
-
Visa Infinite Benefits
-
Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan
Cons
-
Does not provide free lounge access
-
Charges foreign transaction fees
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through ExpediaForTD†
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on groceries and restaurants.†
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on recurring bill payments.†
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10% Bonus Points
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
$100
Get an annual TD Travel Credit when you book at Expedia For TD†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Starbucks Bonus Offer for New Linked Membersx: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
The TD First Class Travel® Visa Infinite* Card also makes bargain hunting on Amazon a breeze because it participates in the Amazon.ca Shop with Points program as well. With this program, you can instantly redeem your TD Points on eligible purchases on Amazon.ca with Amazon Shop with Points. Conditions apply. See more details here. There’s a great welcome bonus.
Up to $1,000 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†.
Travel lovers will appreciate the wow-worthy earnings when you book travel through Expedia® For TD†: Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD† (4% return rate).
Additionally, earn 6 TD Rewards Points† for every $1 you spend on groceries and restaurants†, earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†, and earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
Key features
- Welcome bonus: Up to $1,000 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†.
- Earn rate: Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†; earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†; earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†; and earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†
- Additional perks: Good suite of insurance including Travel Medical Insurance†, rental car discounts†
- Annual fee: $139 (Additional cardholder† $50; First year Annual Fee Rebate†)
Disclosures:
- To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
This offer is not available for residents of Quebec. For Quebec residents, please click here .
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
† Terms and conditions apply.
Best no annual fee card for Amazon
earn 10,000 pts
Welcome Bonus
$460
First Year Value
$360
Annual Value
Welcome Bonus: 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
Get this card if you...
-
want rewards without paying an annual fee
-
want to earn points on everyday spending
-
want a flexible rewards program with exclusive perks
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
-
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
American Express® Green Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
-
Pros
-
No annual fee
-
No income requirements (unlike many other no-fee cards)
-
Welcome bonus up to 10,000 points (a $100 value)
-
American Express® Experiences
Cons
-
The card only offers basic extended warranty and purchase protection insurance. No travel insurance or rental car coverage
-
Some places might not accept American Express®. However, most major retailers do (more small businesses are starting to as well)
-
Fewer perks: No specific benefits for travel or dining and no accelerated earning rates on grocery
-
Lower earn rates: The reward earn rates are lower than some other no-fee credit cards
-
-
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
-
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
-
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
American Express® Green Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
-
No annual fee
-
No income requirements (unlike many other no-fee cards)
-
Welcome bonus up to 10,000 points (a $100 value)
-
American Express® Experiences
Cons
-
The card only offers basic extended warranty and purchase protection insurance. No travel insurance or rental car coverage
-
Some places might not accept American Express®. However, most major retailers do (more small businesses are starting to as well)
-
Fewer perks: No specific benefits for travel or dining and no accelerated earning rates on grocery
-
Lower earn rates: The reward earn rates are lower than some other no-fee credit cards
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
This $0 annual fee American Express® Green Card lets you redeem your Membership Rewards® points to make eligible purchases on Amazon.ca. New accounts can earn an impressive welcome bonus:10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*. That’s $100 towards groceries or concert tickets. Conditions apply. The standard earn rate is a basic 1 Membership Rewards® point per $1 that you spend on all purchases. This card is ideal if you’re a student or you have a limited credit history (or none at all).
Key features
- Welcome bonus: 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*. Conditions apply.
- Earn rate: 1 Membership Rewards® point per $1 on all purchases
- Additional perks: Transfer points to other popular travel rewards programs, like Aeroplan and Avios, at a 1:1 ratio
- Annual fee: No annual fee
Disclosures:
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.
Best co-branded Amazon credit card
5% back
Welcome Bonus
$456
First Year Value
$306
Annual Value
Get this card if you...
-
shop at Amazon.ca or Whole Foods and want cash back rewards
-
want to save on fx fees with rewards on international purchases
-
want no annual fee while still earning great rewards
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
The Amazon.ca Rewards Mastercard® is a no-annual-fee credit card tailored for frequent Amazon.ca and Whole Foods Market shoppers, offering cash back on eligible purchases. Cardholders can redeem earned rewards as Amazon.ca gift cards, enhancing their shopping experience.
Amazon.ca Rewards Mastercard® ReviewEligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
-
Pros
-
No annual fee
-
Good returns on Amazon.ca, Whole Foods Market stores and foreign currency transactions
-
Competitive welcome bonus
-
Serviceable for regular Costco and No Frills shoppers
Cons
-
Earning maximum rewards requires paying for Amazon Prime
-
Other cards have higher earn rates on non-Amazon.ca purchases
-
Rewards points are only redeemable for Amazon.ca gift cards
-
Relatively few Whole Foods locations in Canada
-
-
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$1.5
Foreign Transaction
1.00%
Balance Transfer
-
Rewards cash back
2.5%
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
1%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
Our Take
The Amazon.ca Rewards Mastercard® is a no-annual-fee credit card tailored for frequent Amazon.ca and Whole Foods Market shoppers, offering cash back on eligible purchases. Cardholders can redeem earned rewards as Amazon.ca gift cards, enhancing their shopping experience.
Amazon.ca Rewards Mastercard® ReviewEligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
-
No annual fee
-
Good returns on Amazon.ca, Whole Foods Market stores and foreign currency transactions
-
Competitive welcome bonus
-
Serviceable for regular Costco and No Frills shoppers
Cons
-
Earning maximum rewards requires paying for Amazon Prime
-
Other cards have higher earn rates on non-Amazon.ca purchases
-
Rewards points are only redeemable for Amazon.ca gift cards
-
Relatively few Whole Foods locations in Canada
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$1.5
Foreign Transaction
1.00%
Balance Transfer
Rewards cash back
2.5%
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
1%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
If you spend a lot of money shopping on Amazon, this Amazon-affiliated Mastercard will rev up your rewards like no other. The current welcome offer gets you 5% back at Amazon.ca, Whole Foods Market stores, grocery stores, and restaurants for your first six months (capped at $3,000 in spending, which is a $150 value). The standard earn rate is 1.5% back (2.5% for Prime members) on eligible Amazon.ca and Whole Foods Market store purchases. For every 2,000 points you earn, a $20 Amazon.ca Gift Card will be added directly to your Amazon account. Cardholders get 1% back on all other purchases. The annual interest rate is 19.99% on purchases and 22.99% on cash advances.
Key features
- Welcome bonus: 5% back at Amazon.ca, Whole Foods Market stores, grocery stores and restaurants for six months.
- Earn rate: 2.5% for Prime members) on eligible Amazon.ca and Whole Foods Market store purchases, with non-Prime members earning 1.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores%. Get 1% back on all other purchases.
- Additional perks: Earn 1% cash back on eligible foreign currency transactions., purchase protection and extended warranty, discount on select rental cards.
- Annual fee: No annual fee
Best for financing Amazon purchases
$0
First Year Value
$0
Annual Value
Get this card if you...
-
want a low-interest rate on purchases and balance transfers
-
want to lower existing credit card debt
-
value purchase protection and extended warranty coverage
Annual Fee & Annual Interest Rates
$39
Annual Fee
10.99%
Purchase
24.99%
Cash Advance
13.99%
Balance Transfer
-
Our Take
The MBNA True Line® Gold Mastercard® is a low-interest credit card designed for individuals seeking to manage their credit card debt more effectively. It offers essential benefits such as purchase assurance, extended warranty coverage, and fraud protection.
MBNA True Line® Gold Mastercard® ReviewEligibility
Good (620 - 670)
Recommended Credit Score
-
Pros
-
Low interest rate on purchases and balance transfers
-
Proactive fraud protection
Cons
-
$39 annual fee
-
Penalty interest rate if minimum payments are missed
-
-
Annual Interest Rates
10.99%
Purchase
24.99%
Cash Advance
13.99%
Balance Transfer
Fees
$39
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards
10.99%
10.99% interest rate on purchases and 13.99% on balance transfers✪
100%
This card is made from 100% recycled plastic
Funds Transfer
Use available credit on your credit card to transfer funds right to your chequing account.
Our Take
The MBNA True Line® Gold Mastercard® is a low-interest credit card designed for individuals seeking to manage their credit card debt more effectively. It offers essential benefits such as purchase assurance, extended warranty coverage, and fraud protection.
MBNA True Line® Gold Mastercard® ReviewEligibility
Good (620 - 670)
Recommended Credit Score
Pros
-
Low interest rate on purchases and balance transfers
-
Proactive fraud protection
Cons
-
$39 annual fee
-
Penalty interest rate if minimum payments are missed
Annual Interest Rates
10.99%
Purchase
24.99%
Cash Advance
13.99%
Balance Transfer
Fees
$39
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards
10.99%
10.99% interest rate on purchases and 13.99% on balance transfers✪
100%
This card is made from 100% recycled plastic
Funds Transfer
Use available credit on your credit card to transfer funds right to your chequing account.
The MBNA True Line Gold Mastercard stands out as an exceptional choice for financing large purchases, offering a compelling combination of low interest rates and reasonable fees. Here's why this card is a game-changer for savvy Canadians looking to pay off purchases over time:
Key features
- Unbeatable interest rates: The card boasts an incredibly low annual interest rate of 10.99% on purchases. This rate is less than half of what traditional credit cards typically charge, making it an ideal option for those planning significant expenditures.
- Modest, affordable annual fee: With an annual fee of just $39, the MBNA True Line Gold Mastercard offers excellent value. This modest fee is easily offset by the potential interest savings, especially for those who carry a balance or make large purchases with Amazon.
- Flexibility for larger purchases: The True Line Gold Mastercard is particularly beneficial for Canadians who plan on making big purchases but haven't saved up the full amount. It provides a more affordable way to spread out payments over time, making big-ticket items more accessible without the burden of exorbitant interest charges.
Disclosures:
†, ✪, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
Best high income card for Amazon purchases
$349
First Year Value
$289
Annual Value
Get this card if you...
-
want to earn cash back with no annual fee
-
are an existing Rogers or Fido customer
-
want complimentary lounge access
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
The Rogers™ World Elite® Mastercard® is a no-annual-fee credit card offering elevated cash back rates on purchases made in U.S. dollars, with a standard rate on all other eligible purchases. Cardholders benefit from comprehensive insurance coverage, including emergency medical and rental car collision/damage protection, as well as access to over 1,300 airport lounges worldwide through Mastercard Travel Pass provided by DragonPass; however, the card has a high income requirement.
Rogers Red World Elite® Mastercard® ReviewEligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
-
Pros
-
Lucrative cash back rates on USD and CAD purchases, especially for Rogers, Fido or Shaw customers
-
No annual fee with valuable insurance benefits
-
Competitive against foreign transaction fee cards
-
Convenient cash back redemption options
-
Redemption bonus of 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases
-
Travel insurance perks and airport lounge access
Cons
-
High income requirement: $80,000 personal or $150,000 household
-
Foreign transaction fee applies
-
Limited redemption options for statement credits
-
-
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards cash back
3%
Earn 3% unlimited cash back on purchases made in US dollars
2%
Earn 2% unlimited cash back on all eligible non-US dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw
1.5%
Earn 1.5% unlimited cash back on everything else
1.5x Cash Back
Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases
Insurance Benefits
$1,000,000
Emergency medical insurance amount
$3
Emergency medical insurance over 65 days
$65,000
Rental car insurance amount
Our Take
The Rogers™ World Elite® Mastercard® is a no-annual-fee credit card offering elevated cash back rates on purchases made in U.S. dollars, with a standard rate on all other eligible purchases. Cardholders benefit from comprehensive insurance coverage, including emergency medical and rental car collision/damage protection, as well as access to over 1,300 airport lounges worldwide through Mastercard Travel Pass provided by DragonPass; however, the card has a high income requirement.
Rogers Red World Elite® Mastercard® ReviewEligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
-
Lucrative cash back rates on USD and CAD purchases, especially for Rogers, Fido or Shaw customers
-
No annual fee with valuable insurance benefits
-
Competitive against foreign transaction fee cards
-
Convenient cash back redemption options
-
Redemption bonus of 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases
-
Travel insurance perks and airport lounge access
Cons
-
High income requirement: $80,000 personal or $150,000 household
-
Foreign transaction fee applies
-
Limited redemption options for statement credits
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards cash back
3%
Earn 3% unlimited cash back on purchases made in US dollars
2%
Earn 2% unlimited cash back on all eligible non-US dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw
1.5%
Earn 1.5% unlimited cash back on everything else
1.5x Cash Back
Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases
Insurance Benefits
$1,000,000
Emergency medical insurance amount
$3
Emergency medical insurance over 65 days
$65,000
Rental car insurance amount
The Rogers Red World Elite® Mastercard® stands out as an excellent choice for high-earning Canadians who frequently shop on Amazon and seek a versatile rewards credit card. That's because the card offers a baseline rewards rate of 1.5% back on purchases with select purchases earning even more:
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw
- Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.
There's even an additional bonus is you're an existing Rogers customer: Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases. Not bad for a card with $0 annual fee.
Other key features
- Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $75 value)
- $1,000,000 in emergency medical insurance
Amazon top tip: Outlet shop for bigger discounts
Check out Amazon's Outlet store for overstocked items at clearance prices. It's like a digital discount bin, but without the need to dig!
Read more: 13 tips and hacks every Amazon shopper should know
What is Amazon Prime Day?
Amazon Prime Day is an annual shopping event exclusively for Amazon Prime members. In 2024, Amazon is hosting two major events, first Prime Day, and Prime Big Deal Days.
Prime Day is Amazon’s flagship shopping holiday and offers Prime members the chance to take advantage of access to some of the best deals of the year on top brands and products. Prime members also often get early access to deals before they're available to the general public, making Prime Day a great time to pick up holiday or birthday presents for the future.
When is Amazon Prime Day in Canada for 2025?
Prime Day usually takes place in the summer months. Amazon Prime Day 2025 in Canada is expected to fall on July 15 to 16, 2025.
Previous:
- 2023: Amazon Prime Day for Canada was July 11 to 12, 2023
- 2024: Amazon Prime Day for Canada was July 16 to 17, 2024.
What is Amazon’s Big Day of Deals”?
Amazon Prime Day and Amazon Prime Big Deal Days are essentially the same type of event, but they occur at different times of the year. Amazon Prime Big Deals Day, also known as Big Deal Days, is a 48-hour shopping event exclusive to Amazon Prime members. It's similar to Amazon's Prime Day but occurs in October, serving as a kickoff to the holiday shopping season.
- 2024: The most recent Big Deals Day ran from October 8 to 9, 2024.
- 2025: Amazon.ca's Big Deals Day is expected to run from October 7 to 8, 2025
Summary of our top picks
| Card Name | Amazon Perk | Get Started |
|---|---|---|
|
American Express Cobalt® Card
|
◦ $155.88 ($$12.99/month) annual fee
◦ Use Membership Rewards® points to shop on Amazon.ca |
Apply Now |
|
SimplyCash® Card from American Express
|
◦ No annual fee
◦ Base Rewards of 1.25% cash back on all purchases with no limit to the amount of cash back you can earn |
Apply Now |
|
TD First Class Travel® Visa Infinite* Card
|
◦ $139 (Additional cardholder† $50; First year Annual Fee Rebate†)
◦ Instantly redeem any number of points to pay for Amazon.ca purchases with Amazon Shop with Points. Conditions apply. See more details here. |
Apply Now |
|
American Express® Green Card
|
◦ No annual fee
◦ Redeem Membership Rewards® points for purchases on Amazon.ca |
Apply Now |
|
Amazon.ca Rewards Mastercard®
|
◦ No annual fee
◦ Standard earn rate of 1.5% back (2.5% for Prime members) after that. Points go toward Amazon gift cards. |
Apply Now |
| MBNA True Line® Gold Mastercard® |
◦ $39
◦ 10.99% APR on purchases |
Apply Now |
| Rogers Red World Elite® Mastercard® |
◦ No annual fee
◦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 or Shaw |
Apply Now |
Amazon top tip: One-Day Shipping
Amazon shoppers in select metro areas are able to get One-Day Delivery or Same-Day Delivery, depending on what they’re buying, as long as it's before the order cut-off time and meets the $25 threshold.
How do these credit cards help you save on Amazon.ca?
There are four ways you can use credit cards to save money on Amazon.ca, each of which is suited to a different lifestyle.
- 1.
High Amazon.ca cash back rate. Some credit cards offer a high cash back rate specifically for Amazon.ca, or for online purchases in general. This type of card is a good fit if Amazon.ca/general online spending takes up a large chunk of your total expenses; it’s less suitable if your biggest expenses lie elsewhere.
- 2.
High base cash back rate. Other credit cards offer a solid cash back rate on all purchases; this is ideal if you prefer a simple, one-size-fits-all solution rather than taking out multiple credit cards to be used at different merchants.
- 3.
Shop with points. Some Amex and TD credit cards allow cardholders to redeem their rewards points directly on Amazon.ca via Shop with Points. This works well for those who might split the points they earn between an Amazon redemption and a redemption for, say, travel. Keep in mind that Amex Membership Rewards and TD Rewards have different values when redeemed via Shop with Points—each Amex point redeemed this way is worth $0.007; each TD point is worth a comparatively low $0.0033.
- 4.
Amazon gift cards. Some credit cards allow you to redeem rewards points for Amazon gift cards, but the value you’ll get for each point may be low. Before redeeming points for an Amazon.ca gift card check to make sure you’re getting a decent deal by dividing the gift card’s dollar value by the number of points required to redeem. If the value per point is less than $0.005 consider saving your points for another, more valuable redemption path.
Final word
Shopping for your day to day needs on Amazon Canada is super convenient and hard to avoid at times when you immediately need something; it’s good to know there are ways to boost your buying power on Amazon.ca with credit card rewards. In a sea of credit card choices, a bit of research can help ensure you find the best Amazon shopping companion so you get the most out of the experience.
FAQs
Sandra MacGregor has been writing about finance and travel for nearly a decade. Her work has appeared in a variety of publications like the New York Times, the UK Telegraph, the Washington Post, Forbes.com and the Toronto Star.
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, St. Louis Post-Dispatch, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.
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Disclaimer
The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter. Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information on any advertiser product, please visit their website.
†Terms and Conditions apply.