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Best Credit Cards for Amazon Purchases

Best Canadian credit cards for Amazon purchases 2024

Sandra MacGregor
Author: Cory Santos

By Sandra MacGregor & Cory Santos

Partners on this page provide us earnings.

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.

  • Why you can trust Money.ca's best Amazon.ca credit cards in Canada list

    +

    Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours.

    Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology.

    And don't forget to check out our Best Credit Cards Canada list when you're done.

Summary of picks

The top credit cards for Amazon.ca shopping compared

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

Disclosures:

†TD First Class Travel® Visa Infinite* Card annual fee rebate: †To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.

Best overall

Best overall for Amazon

American Express Cobalt® Card

Apply now

4.9

up to 15k pts

Welcome offer

Fair

Suggested credit score

Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value.

Apply now

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

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$0

Required Annual Household Income

$0

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

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$0

Required Annual Household Income

$0

the points on eligible eats & drinks purchases in Canada

5x

the points on eligible streaming subscriptions in Canada

3x

the points on eligible gas, transit & ride share in Canada

2x

the points on everything else

1x

additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel

1

Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room

$100 USD

Variable APR

21.99% - 30%

Cash Advance APR

21.99% - 1%

Annual Fee

$155.88

Foreign Transaction Fee

2.5%

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

Best cash back for Amazon

SimplyCash® Card from American Express

Apply now

3.8

bonus 5% back

Welcome offer

Good

Suggested credit score

Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).

Apply now

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

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

Required Annual Household Income

$45.87

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

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

Required Annual Household Income

$45.87

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)

2%

cash back on all other purchases

1.25%

Variable APR

21.99% - 34.56%

Balance Transfer Rate

45%

Cash Advance APR

21.99% - 89.98%

Annual Fee

$0

Foreign Transaction Fee

2.5%

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

Best travel for Amazon

TD First Class Travel® Visa Infinite* Card

Apply now

3.8

Good

Suggested credit score

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. Account must be approved by January 6, 2025.

Expires

Jan 6, 2025

Apply now

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

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

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

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Earn 8 TD Rewards Points† for every $1 you spend through ExpediaForTD†

8 Points

Earn 6 TD Rewards Points† for every $1 you spend on groceries and restaurants.†

6 Points

Earn 4 TD Rewards Points† for every $1 you spend on recurring bill payments.†

4 Points

Earn 2 TD Rewards points for every $1 you spend using your card.†

2 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†.

10% Bonus Points

Get an annual TD Travel Credit when you book at Expedia For TD†

$100

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$139

Foreign Transaction Fee

2.5%

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.

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. Account must be approved by January 6, 2025.

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: 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. Account must be approved by January 6, 2025.
  • 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, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.

  • 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 fee

Best no annual fee card for Amazon

American Express® Green Card

Apply now

3.5

earn 10,000 pts

Welcome offer

Good

Suggested credit score

Earn a Welcome Bonus of 10,000 Membership Rewards® points – that’s $100 in value

Apply now

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

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

Required Annual Household Income

$0

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

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

Required Annual Household Income

$0

the points on Card purchases

1x

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

1

Purchase APR

21.99%

Cash Advance APR

21.99%

Annual Fee

$0

Foreign Transaction Fee

2.5%

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 Amazon savings

Best co-branded for Amazon

Amazon.ca Rewards Mastercard®

Apply now

4.2

5% back

Welcome offer

Fair

Suggested credit score

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††.

Apply now

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

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$0

Required Annual Household Income

$0

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

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$0

Required Annual Household Income

$0

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)‡

2.5%

Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡

1%

Purchase APR

19.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$0

Foreign Transaction Fee

1.5%

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 financing

Best for financing Amazon purchases

MBNA True Line® Gold Mastercard®

Apply now

2.6

Good

Suggested credit score

to receive the latest news, tips and offers by email

Apply now

Pros

  • Low interest rate on purchases and balance transfers

  • Proactive fraud protection

Cons

  • $39 annual fee

  • Penalty interest rate if minimum payments are missed

Eligibility

Recommended Credit Score

Good

Pros

  • Low interest rate on purchases and balance transfers

  • Proactive fraud protection

Cons

  • $39 annual fee

  • Penalty interest rate if minimum payments are missed

Eligibility

Recommended Credit Score

Good

10.99% interest rate on purchases and 13.99% on balance transfers✪ and access cheques

10.99%

This card is made from 100% recycled plastic

100%

Use available credit on your credit card to transfer funds right to your chequing account.

Funds Transfer

Purchase APR

10.99%

Balance Transfer Rate

13.99%

Cash Advance APR

24.99%

Annual Fee

$39

Foreign Transaction Fee

2.5%

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

Best high income card for Amazon purchases

Rogers Red World Elite® Mastercard®

Apply now

4.0

Excellent

Suggested credit score

to receive the latest news, tips and offers by email

Apply now

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

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$80,000

Required Annual Household Income

$150,000

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

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$80,000

Required Annual Household Income

$150,000

Earn 3% unlimited cash back on purchases made in US dollars

3%

Earn 2% unlimited cash back on all eligible non-US dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw

2%

Earn 1.5% unlimited cash back on everything else

1.5%

Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases

1.5x Cash Back

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$0

Foreign Transaction Fee

2.5%

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
What is Prime Day?

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 Prime Day 2024?

When is Amazon Prime Day in Canada for 2024?

Prime Day usually takes place in the summer with the latest date as follows:

  • 2024: Amazon Prime Day for Canada was July 16 to 17, 2024.
What's Big Deal Days?

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.
How to save

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. 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. 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. 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. 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.

Conclusion

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

FAQs

  • Does Amazon have a credit card in Canada?

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    In short, yes. When you apply for the Amazon.ca Rewards Mastercard® in Canada, MBNA, a division of The Toronto-Dominion Bank, oversees the approval process. MBNA's underwriting criteria governs all applications for an Amazon.ca Rewards Mastercard®.

  • Is the Amazon.ca credit card worth it?

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    Yes, it can be worthwhile, especially with no annual fee besides the Amazon Prime membership cost. You'll earn cash back on Amazon.ca purchases. However, if you're not a Prime member, other no-annual-fee cash-back options may offer better benefits.

  • Does Amazon in Canada take Visa?

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    At Amazon.ca in Canada, you can pay with various methods, including credit and debit cards. Visa is among the accepted payment options for your purchases.

  • Is it hard to get an Amazon Credit Card in Canada?

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    Getting an Amazon Credit Card in Canada isn't difficult. To apply for the MBNA Amazon.ca Rewards Mastercard®, you simply need to be a Canadian resident who has reached the age of majority in your province or territory. Plus, there's no minimum income requirement for this card.

  • Does Amazon Canada accept prepaid Visa cards?

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    At Amazon.ca in Canada, you can utilize prepaid cards for most purchases, though there are some limitations. Prepaid Visa, MasterCard, and American Express cards cannot be combined with credit cards for a single order.

  • Is Amazon CA in Canadian Dollars or USD?

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    At Amazon CA, transactions default to your local currency when eligible for Amazon Currency Converter. If you prefer to pay in Canadian Dollars, you can select 'CAD' at Checkout. This ensures transactions are processed in Canadian Dollars, the website's default currency.

Sandra MacGregor Freelance Contributor

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 Finance editor

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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