Canadians spend billions annually on Amazon.ca, making your credit card choice for Amazon purchases one of the most impactful decisions for everyday rewards. Here are the best cards for maximising returns on Amazon.ca — and for Amazon.com purchases billed in USD.
Best Credit Cards for Amazon.ca
| Card | Annual Fee | Amazon Earn Rate | FX Fee | Best For |
|---|---|---|---|---|
| Tangerine Money-Back Mastercard | $0 | 2% (online shopping category) | 2.5% | Best no-fee; choose online shopping as a 2% category |
| BMO CashBack World Elite Mastercard | $120 | 5% grocery; 2% other online | 2.5% | Best if Amazon buys are grocery-adjacent |
| Scotiabank Momentum Visa Infinite | $120 | 4% recurring; 1% other | 2.5% | Prime subscription at 4%; regular purchases at 1% |
| Amex Cobalt | $155.88/yr | 1x MR (general) | 2.5% | Best overall rewards earner; Amazon at base rate |
| Rogers Red Mastercard | $0 | 1.5% CAD; 3% USD | None | Amazon.com (USD) at 3%; no FX fee |
| MBNA Rewards World Elite Mastercard | $120 | 5x on online purchases | 2.5% | Best points earn on Amazon.ca online purchases |
Amazon.ca vs. Amazon.com: The FX Fee Issue
Amazon.ca charges in Canadian dollars — no foreign transaction fee applies.
Amazon.com charges in US dollars — your card’s 2.5% FX fee applies on top of the exchange rate.
For US Amazon purchases, the Rogers Red Mastercard (no FX fee + 3% on foreign currency) is the best no-fee option. The Scotiabank Gold Amex and Scotiabank Passport Visa Infinite (both no FX fee) are better if you want a premium card.
The Tangerine Money-Back Strategy
The Tangerine Money-Back Card lets you choose up to 3 categories earning 2% cash back. Online shopping is one of the available categories.
With online shopping selected:
- Amazon.ca purchases earn 2% cash back (unlimited)
- The 2% rate applies to any online merchant
- No annual fee
- Mastercard: accepted on Amazon.ca
Pair with the Scotiabank Momentum for Prime membership (4% on recurring) and Rogers Red for Amazon.com (3% on USD + no FX).
Amazon Prime Membership: Use a Recurring Bills Card
Your Amazon Prime subscription ($9.99–$14.99/month CAD) is best charged to a card with high earn rates on recurring subscriptions:
- Scotiabank Momentum Visa Infinite: 4% on recurring payments (including Amazon Prime)
- Tangerine: 2% if recurring bills chosen as a category
- RBC ION+ Visa: 3x Avion on streaming and subscriptions
Tips for Maximising Rewards on Amazon
- Set your default payment method to your highest-earn card permanently
- Check Amazon’s “Reload Your Balance” promotions — occasionally Amex or other issuers offer bonus points on gift card purchases
- Amazon.com vs .ca: Route USD purchases through a no-FX card (Rogers Red, Scotiabank Passport)
- Business purchases: The Amex Business Gold earns 3x MR on eligible Canadian suppliers — check if your Amazon seller qualifies
Related Articles
- Best Cash Back Credit Cards in Canada
- Best Credit Cards for Online Shopping in Canada
- Best No Annual Fee Credit Cards in Canada
- Tangerine Money-Back Card Review
- Foreign Transaction Fees in Canada
Earn rates and cash back percentages subject to change. Amazon category classification may vary by issuer. Verify current terms with each card. See our Advertiser Disclosure.