Amazon.ca is Canada's largest online retailer, and millions of Canadians use it for everything from household essentials to electronics, clothing, and groceries via Amazon Fresh. Amazon.ca accepts Visa, Mastercard, and Amex — but not all cards earn bonus points on Amazon purchases. Importantly, Amazon Canada does NOT have a co-branded credit card the way Amazon US has the Amazon Prime Visa. This means Canadian shoppers must choose carefully from the general market to maximize Amazon rewards. Here's the definitive guide for 2026.
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Top Cards for Amazon.ca — Comparison
| Card | Amazon.ca Earn Rate | Annual Fee | Network | Est. Value on $2,000000/yr Amazon |
|---|---|---|---|---|
| Simplii Financial Cash Back Visa | 4% on restaurant/takeout; 1.5% otherwise | $00 | Visa | $300–$800/yr |
| Rogers Red World Elite MC | 1.5% on everything | $00 (Rogers req.) | Mastercard | $300/yr |
| MBNA Rewards Mastercard | 2x pts everywhere | $00–$1200 | Mastercard | $200–$400/yr |
| Amex Cobalt | 5x on grocery/food; 1x general | $156/yr | Amex | $200/yr (general) or high if food coding |
| BMO Eclipse Visa Infinite | 1x (general purchases) | $1200/yr | Visa | $100–$14/yr |
| Tangerine Money-Back MC | 2% if "shopping" category chosen | $00 | Mastercard | $400/yr |
Why Amazon Canada Has No Co-Branded Card
In the US, Amazon Prime Visa gives 5% cashback on Amazon.com — a major advantage. In Canada, Amazon has not launched a co-branded card, leaving Canadian shoppers to navigate the general market. The best Amazon Canada cards earn 1.5–2% on general purchases, with no dedicated Amazon bonus category on any major Canadian card.
This is actually somewhat good news: you can optimize your Amazon spending using a high-flat-rate card across all non-category purchases rather than being locked into a single co-brand.
1. Simplii Financial Cash Back Visa — Best No-Fee Option
Simplii Financial Cash Back Visa No Fee + 4% on Select
The Simplii Cash Back Visa is CIBC's no-fee digital card. It earns 4% cashback on restaurant, bar, and food delivery purchases — and if Amazon Fresh or Amazon meal-kit delivery codes as "restaurant" or "delivery" (which varies), you may hit the 4% tier. On standard Amazon.ca retail purchases, the card earns 1.5% cash back on all other eligible purchases, making it competitive as a flat-rate no-fee card.
The 4% category is most relevant for Amazon Fresh and delivery orders. For regular Amazon.ca retail, the 1.5% base rate ties with the Rogers Red for the best rate from a no-fee card. The Simplii card is available only to CIBC customers or those opening a Simplii account (Simplii is CIBC's digital banking brand).
Pros
- No annual fee
- 4% on food orders (may cover Amazon Fresh)
- 1.5% on all other purchases
- Easy CIBC/Simplii digital application
Cons
- Amazon retail only earns 1.5%
- Category coding can vary
- No travel insurance or perks
2. Rogers Red World Elite Mastercard — Best Flat Rate
Rogers Red World Elite Mastercard Best Flat Rate
Rogers Red earns 1.5% cashback on all purchases everywhere, including Amazon.ca, with no annual fee. There's no category exception for Amazon — every dollar spent earns the same flat 1.5%. For Amazon purchases priced in USD (Amazon.com orders billed in USD), the card's FX offset makes it even more effective since the net USD cost is only about 1%.
The card requires a Rogers, Fido, or Shaw wireless or internet account. If you're already a Rogers customer (which millions of Canadians are), this is the easiest premium flat-rate card to get at no cost.
3. Tangerine Money-Back Mastercard — 2% if Amazon-coded as Shopping
Tangerine Money-Back Mastercard
Tangerine offers 2% cashback on chosen categories, one of which can be "Online Shopping." Amazon.ca purchases typically code as retail/merchandise, which can qualify as the "Online Shopping" category if you designate it. This gives a free card earning 2% on Amazon — matching the best paid cards for Amazon-specific spending.
The limitation: you only have 2 category choices (3 with a Tangerine savings account), so choosing "Online Shopping" for Amazon means giving up another high-value category like groceries or gas. For heavy Amazon shoppers, this trade-off may be worth it.
4. MBNA Rewards Mastercard — 2x Points Everywhere
MBNA Rewards Mastercard
The MBNA Rewards MC earns 2x MBNA Rewards points on every purchase, no categories required. MBNA points are worth approximately 1 cent each, making the effective rate 2% on Amazon. The no-annual-fee version is a solid option. The paid Platinum Plus tier increases earn rates further but with a fee, which may not be justified solely for Amazon spending.
Amazon.ca vs Amazon.com — Which Card Should You Use?
Canadians increasingly shop both Amazon.ca (priced in CAD) and Amazon.com (priced in USD). The card choice should differ:
| Purchase Type | Recommended Card | Reason |
|---|---|---|
| Amazon.ca (CAD prices) | Rogers Red or Tangerine (if shopping category) | Best flat-rate on CAD purchases |
| Amazon.com (USD prices) | Scotia Passport Visa Infinite | No FX fee saves 2.5% on USD |
| Amazon Fresh / grocery delivery | Amex Cobalt or Simplii | May earn 5x/4% on food delivery coding |
| Amazon Business account | Amex Business Gold or Cobalt | Tracks separately; earns MR pts |
Amazon Prime — Does It Change the Card Math?
Amazon Prime costs $99 CAD/year. It doesn't change which credit card earns best, but it does increase your Amazon spend (free shipping encourages more orders). With more Amazon spending, a 1.5% card versus a 2% card saves an additional $5–$200/year on Prime-driven spending — not transformative but worth noting for heavy Prime users.
Some credit cards offer annual credits or cashback for streaming and subscription services. If your card offers a credit for subscriptions, Amazon Prime may qualify — check your cardmember benefits.
Amazon.ca Shopping — Best Card Picks
- Highest flat-rate, no fee: Rogers Red World Elite MC (1.5%, requires Rogers account)
- Best no-fee overall: Tangerine Money-Back (2% if online shopping category selected)
- Amazon Fresh / food delivery: Amex Cobalt (5x MR if coding as food) or Simplii (4% food)
- Amazon.com USD purchases: Scotia Passport VI (no FX fee)
- Secure/anonymous online shopping: KOHO virtual card