Amazon.ca does not have a dedicated high-earn credit card partnership like in the US (where the Amazon Prime Rewards Visa earns 5% on Amazon). In Canada, no card earns a special boosted rate at Amazon.ca beyond the MBNA co-branded card — so the best strategy is to use a high flat-rate card, or maximize another category to earn rewards you can apply to Amazon purchases.
Best Credit Cards for Amazon.ca
Option 1: MBNA Amazon.ca Mastercard (Co-Branded)
The only card that specifically earns a bonus rate at Amazon.ca:
| Card | Annual Fee | Amazon Earn Rate | Everywhere Else |
|---|---|---|---|
| Amazon.ca Mastercard | $0 | 2.5% for Prime members; 1.5% without Prime | 1% |
Prime membership required for 2.5%: Without Amazon Prime ($9.99/month), you earn 1.5% on Amazon — the same as most flat-rate cash back cards.
The math: If you spend $200/month at Amazon with Prime, 2.5% = $5/month = $60/year. Since Prime costs $119.99/year (or $9.99/month), you’ll need substantial Amazon spending for the card to provide incremental value over a general flat-rate card.
Verdict: Good if you’re already an Amazon Prime member and are a heavy Amazon shopper. Not the best card for light Amazon users.
Option 2: MBNA Smart Cash World Elite Mastercard
The highest cash back on a general category that overlaps with Amazon:
| Card | Annual Fee | Best Category | Amazon |
|---|---|---|---|
| MBNA Smart Cash World Elite | $120 | 5% groceries + gas (up to $500/month) | 1% |
Amazon doesn’t qualify as groceries, so the MBNA Smart Cash earns 1% on Amazon — but it’s one of the best all-around cash back cards in Canada.
Option 3: Rogers Red World Elite Mastercard (Best Flat-Rate No-Fee Card)
| Card | Annual Fee | Amazon Earn | Everywhere Else |
|---|---|---|---|
| Rogers Red World Elite Mastercard | $0 | 1.5% | 1.5% (3% on foreign currency) |
At no annual fee, 1.5% everywhere including Amazon is competitive. Best for those who don’t want to pay a card fee.
Option 4: Tangerine Money-Back Mastercard (If Amazon Is Your Chosen Category)
| Card | Annual Fee | Amazon Earn | Notes |
|---|---|---|---|
| Tangerine Money-Back Mastercard | $0 | 2% if “online purchases” is a selected category | 0.5% outside chosen categories |
Tangerine allows you to choose 2–3 categories that earn 2% cash back. One available category is Online Purchases, which includes Amazon.ca. If Amazon is a major spending category for you, this can work — though “online purchases” is broadly defined, so you might want to use it for a more concentrated spend.
Option 5: Amex Cobalt — Gift Card Strategy
| Card | Annual Fee | Strategy | Effective Amazon Rate |
|---|---|---|---|
| American Express Cobalt | $156 | Buy Amazon gift cards at grocery stores (earns 5x MR) | Up to 5x MR = 5–10%+ in travel |
The Amex Cobalt earns 5x Membership Rewards on food and grocery purchases, including at most grocery stores. Many Loblaws banner stores, Sobeys, Metro, and Farm Boy locations sell Amazon gift cards. Buying gift cards at a grocery store earns 5x MR — then use those gift cards on Amazon.ca.
Important caveat: This is an advanced strategy. It requires:
- A grocery store near you that sells Amazon gift cards (not all do)
- Willingness to use gift cards rather than your card directly
- Plans to transfer MR to Aeroplan or Avios for high travel value — otherwise the 5x means less if you redeem for statement credits at 0.67¢/pt
Option 6: Best No-Fee Card — Simplii Financial Cash Back Visa
| Card | Annual Fee | Amazon Earn |
|---|---|---|
| Simplii Financial Cash Back Visa | $0 | 0.5% (standard category) |
Simplii earns 4% at restaurants and 1.5% at grocery stores — but only 0.5% on general online purchases. Not ideal for Amazon.
Amazon.ca vs. Amazon.com — Which Card to Use
Many Canadians shop on both amazon.ca (CAD) and amazon.com (USD, charged in foreign currency). If you do significant shopping on Amazon.com:
- Rogers Red World Elite Mastercard earns 3% on foreign currency purchases (net positive after zero FX fee) — making it excellent for Amazon.com (USD) purchases
- Other cards with no FX fee: Scotiabank Passport Visa Infinite, Home Trust Preferred Visa
Recommended Setup for Amazon Shoppers
| Shopper Profile | Best Card(s) |
|---|---|
| Heavy Prime member, Amazon-focused | Amazon.ca Mastercard + Rogers Red (for non-Amazon) |
| Amazon.com (USD) buyer | Rogers Red World Elite Mastercard |
| Maximiser with Amex acceptance | Amex Cobalt (buy gift cards at grocery) |
| Simplicity + no annual fee | Rogers Red World Elite or Tangerine (online purchases category) |
| Prefer Visa/World Elite | MBNA Smart Cash World Elite or BMO CashBack World Elite (for grocery + Amazon combined) |
Related Articles
- Best Cash Back Credit Cards in Canada
- Best No Annual Fee Credit Cards in Canada
- Rogers Red World Elite Mastercard Review
- American Express Cobalt Card Review
- No Foreign Transaction Fee Cards in Canada
- Tangerine Money-Back Mastercard Review
Earn rates, card benefits, and Amazon.ca terms are subject to change. Verify current rates with the issuer and Amazon.ca before applying. See our Advertiser Disclosure.