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5 Best Credit Cards For Amazon Canada Purchases in 2024

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Millions of Canadians have an Amazon Prime membership, so they can enjoy fast delivery times, access to Prime video, music, gaming, and all sorts of deals and discounts while shopping at the online retailer.

To earn even more rewards, an Amazon credit card can help.

As of this writing, the only store-themed Amazon Canada credit card is the Amazon.ca Rewards Mastercard. In the U.S., there are several to choose from, including the Amazon Prime Rewards Visa Signature and Amazon Rewards Visa Signature Card.

This article covers the best credit cards for making purchases on Amazon Canada so you can get the most out of your spending.

Best Credit Cards For Amazon Purchases

Credit CardBest ForAnnual FeeAmazon Cashback/Benefits
SimplyCash Preferred Card from AmexBest overall$119.882% cash back
American Express CobaltMost versatile$155.881 point/$1; spend points on Amazon
SimplyCash from AmexNo fee card for Amazon$0Up to 2% cash back
Amazon.ca Rewards MastercardPrime members$01.5% at Amazon (2.5% for Prime members)
National Bank ECHO MastercardOnline shopping$301.5% cash back

Amazon Credit Cards Canada: Top Choices

The top credit cards for Amazon shopping fall into different categories.

The overall best Amazon credit cards offer flat-rate cash back on rewards on all purchases, or you get a competitive earn rate when shopping online in general.

SimplyCash Preferred Card from American Express

SimplyCash Preferred Card from American Express

Rewards: Earn 4% cash back on gas and grocery purchases ($1,200 annual limit); 2.00% cash back on all other purchases.

Welcome offer: NA

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Annual fee: $9.99/month or $119.88/year

The best credit card for Amazon.ca purchases is the SimplyCash Preferred Card from American Express.

Annual fee: $119.88

Cash rewards: This card offers an unlimited 2% cash back on most purchases, including online shopping at Amazon. For gas and grocery purchases, you earn 4% cash back, with an annual cash back limit of $1,200 at this rate.

Other benefits: In addition to one of the best cash back rates on the market, this card also offers comprehensive travel insurance, access to American Express VIP perks, and more.

Learn more in this review.

American Express Cobalt Card

American Express Cobalt Card

Rewards: Earn 5x pts per $1 spent on food & drinks; 3x pts on streaming subscriptions; 2x pts on travel; 1x pts everywhere else.

Welcome offer: Get up to 15,000 bonus points in the first year.

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Annual fee: $155.88

The American Express Cobalt Card is one of the best travel rewards credit cards in Canada. It is also great for earning points on anything you spend money on.

Even better is the fact that you can connect this card to your Amazon account and spend points directly when making purchases through the Shop with Points program.

Annual fee: $155.88

Cash back rewards: Earn 5 points per $1 spent on restaurants and groceries; 3 points per $1 spent on streaming subscriptions; 2 points per $1 spent on travel, gas, and transit; and 1 point per $1 spent on everything else.

Other benefits: Comprehensive travel insurance coverage, mobile device insurance, purchase protection, extended warranty insurance, and Amex perks.

Learn more in this American Express Cobalt Card review.

SimplyCash Card from American Express

SimplyCash Card from American Express

Rewards and benefits: Earn up to 2% cash back on gas and groceries; 1.25% cash back on all other purchases; travel accident insurance.

Welcome offer: NA

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Annual fee: $0

For a top rewards card you can use on Amazon while paying no annual fees, the SimplyCash Card from American Express is a safe bet.

Annual fee: $0

Cash back rewards: Earn an unlimited 1.25% cash back on most purchases; up to 2% cash back on gas and groceries ($300 annual cap at this earn rate).

Other benefits: Travel accident insurance, purchase protection, and extended warranty coverage.

Learn more in this review.

Amazon.ca Rewards Mastercard

The Amazon.ca Rewards Mastercard is great for Amazon shopping, especially if you have an Amazon Prime membership.

Annual fee: $0

Cash back rewards: Amazon Prime members earn 25% cash back on eligible purchases at Amazon.ca and Whole Foods (or 1.5% for non-Prime members). On all other purchases, the earn rate is 1%.

Other benefits: Purchase assurance and extended warranty benefit.

To learn more, check out this Amazon.ca Rewards Mastercard review.

National Bank ECHO Cash Back Mastercard

The ECHO Cash Back Mastercard from National Bank works well for regular Amazon shoppers and online shopping as a whole.

Annual fee: $30

Cash back rate: Earn 1.5% cash back on gas, grocery, and online purchases; get 1% cash back on everything else. The 1.5% earn rate is limited to your first $25,000 spent on each category annually.

Other benefits: Purchase protection and extended warranty coverage.

How To Maximize Rewards Earned on Amazon

To earn the most rewards possible on your Amazon shopping, you need to be selective about which credit cards you pay with.

For flat-rate earnings, the SimplyCash Preferred Card from Amex is excellent.

If you already pay for Prime, then the MBNA Amazon.ca Rewards Mastercard is decent.

If you are looking to shop with points directly on Amazon.ca, the American Express Cobalt Card does well. Plus, it has some of the highest earning rates for groceries.

If you’d rather not pay annual fees on your card, the SimplyCash Card from Amex fits the bill.

Lastly, you should also look at the welcome bonuses being offered by each card, particularly if you are thinking about churning credit cards.

Methodology:

For the top Amazon Canada credit cards on this list, we focused on the overall value of rewards you get while shopping at Amazon. We also considered extra benefits such as travel insurance, welcome bonuses, and the ease with which you can redeem your earnings. Lastly, we considered each card’s annual fee and how it stacks up against the benefits it offers.

Frequently Asked Questions

Which credit card is best for Amazon purchases?

The best credit card to shop at Amazon.ca and earn cash back is the SimplyCash Preferred Card from American Express.

What credit cards work on Amazon?

You can shop on Amazon with most Visa, Mastercard, and American Express credit cards.

What are the credit requirements for an Amazon credit card?

You will likely need a good credit score of 700 and up to qualify for an Amazon credit card.

Does the Amazon credit card have an annual fee?

The Amazon.ca Rewards Mastercard has no annual fee.

Related:

Best Credit Offers in March 2024

Get the top savings and spending account and stop paying costly bank fees ($20 Bonus)

Save on fees and access unlimited transactions, eTransfers & bill payments.

Get a $20 instant bonus after completing your first purchase.

Earn up to 5% unlimited cash back and up to 5% interest on your balance.

Guaranteed instant approval with any credit score + free budgeting app.

Get this guaranteed approval credit card for any credit score ($25 bonus)

Get an instant $25 welcome bonus.

Earn 5% unlimited average cash back at thousands of locations.

Guaranteed approval for poor and bad credit scores. Takes 3 minutes.

No monthly fees and up to 15% cashback on your first-time purchases.

Earn an average 5% cashback while growing your balance + $20 bonus

Best free prepaid reloadable Mastercard with $20 bonus (after adding $50+).

Earn an average 5% unlimited cash back at over 12,000 stores.

No credit check and free budgeting app with automatic savings features.

Earn 2.25% interest on your entire balance.*

Author

Gravatar for Enoch Omololu, MSc (Econ)
Enoch Omololu, MSc (Econ)

Enoch Omololu, personal finance expert, author, and founder of Savvy New Canadians, has written about money matters for over 10 years. Enoch has an MSc (Econ) degree in Finance and Investment Management from the University of Aberdeen Business School and has completed the Canadian Securities Course. His expertise has been highlighted in major publications like Forbes, Globe and Mail, Business Insider, CBC News, Toronto Star, Financial Post, CTV News, TD Direct Investing, Canadian Securities Exchange, and many others. Enoch is passionate about helping others win with their finances and recently created a practical investing course for beginners. You can read his full author bio.

About Savvy New Canadians

Savvy New Canadians is one of Canada's top personal finance platforms. Millions of Canadians use our site each year to learn how to save for retirement, invest smartly, maximize rewards, and earn extra cash. We have been featured in prominent finance media, including Forbes, Globe and Mail, Business Insider, CBC, MSN, Wealthsimple, and TD Direct Investing. Learn more about Savvy New Canadians.

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