Want to know a secret, Canada? There are many credit cards that offer Amazon-related benefits in Canada. You just have to know how to find them. In addition to the Amazon Mastercard, many TD Visa and American Express cards offer a way to exchange their rewards points for Amazon merchandise.
Amazon credit card Canada: free Amazon stuff?
If you have one of the TD credit cards or one of the American Express cards that are part of the Amazon.ca Shop with Points (SWP) program, you can redeem your cash back or points at the Amazon.ca checkout. Here is how you do it.
Register an eligible TD credit card on your Amazon.ca acccount
TD points will be initially set as your default payment method. If you don’t want to use your TD points, you can switch to another payment method, even if it’s just your TD credit card. You can also decide how many points you want to use on the purchase.
What if you only want to use some of your TD points or you don’t have enough to finance the entire purchase? You have to use the TD card the points are attached to, a gift card, or an Amazon credit balance that you already have. The minimum amount you can redeem is 3 points.
Register an eligible American Express card on Amazon.ca
The same process goes for registering your American Express credit card on Amazon.ca. You add your card as a payment method. When a product you want is eligible for the SWP, Amazon.ca will show your American Express Rewards points as a payment option.
As of the time of writing, 1,000 American Express Rewards points was equal to $7 CAN on Amazon Canada.
Amazon credit card in Canada: what can you buy with your points?
It’s simple. An eligible product is usually sold and fulfilled, also known as sold and shipped, by Amazon.ca. The product will show if it is eligible for the SWP for TD program.
Plus, Amazon is offering a deal where you can get 40% off your Amazon purchase, up to a maximum of $30 CAN. This is an exclusive TD offer in Canada. There are certain conditions which we’ll cover.
The SWP program only applies to certain products. The following products do not qualify for SWP:
- Amazon Appstore Apps
- Digital downloads (e.g., Apple Care)
- Individual digital music titles*
- Items ordered using Buy Now, except for Kindle eBooks
- Pre-order items
- Subscribe & Save items
- Prime Memberships through TD Bank Reward
Amazon credit card Canada: the best credit cards for 2022
There are many credit cards to choose from. While you can use business cards from TD and American Express, any shared business card has additional requirements, mostly to do with sharing points access. When it is a personal card, you have more control. The only available credit card branded specifically for Amazon is the Amazon.ca Mastercard. If you want to use Visa or American Express card points, you have significantly more choice.
TD First Class Travel® Visa Infinite* Card[Offer productType=”CreditCard” api_id=”5f35480892ec22115033b309″ id=”170749″]
The TD First Class Travel® Visa Infinite* card is another Amazon† credit card in Canada, but this time the focus is on travel lovers. The card is one of the best TD cards in Canada for a reason.
Essentially, you get the best of both worlds: the Amazon† SWP porgram and travel rewards every time you use your TD First Class Travel® Visa Infinite*.
Instead of cash back, you earn TD Rewards Points†. The current Welcome Offer is up to 145,000 TD points† plus no annual fee† for the first year.
You have to apply for the card by May 28,2023. This card gives you Amazon’s† SWP program and the Starbucks Star advantage. Wait, it gets better.
When you are ready to travel, you earn 8 TD points† when you book through Expedia® For TD, and there are never any blackout periods.
TD Platinum Travel Visa*
The annual fees are waived for the first year. You just need to apply by May 28, 2023. This card makes the list of the best rewards cards in Canada for good reason.
The regular earn rate is 4.5 points on groceries & restaurants†, 3 points on recurring bill payments†, and 1.5 points for all other purchases with the card†. You still benefit from the Starbucks Stars incentive.
This card gives you 6 points† when you use your card on Expedia® for TD† and there are still no travel blackout dates.
†Conditions apply. Visit the TD site to know all of the terms and conditions.
American Express The Platinum Card
There is no minimum income requirement and the interest rate technically doesn’t exist because it is not a traditional credit card.
You earn 2 Membership Rewards points per $1 spent on dining and food delivery. You get 2 Membership Rewards points per $1 spent on travel, but 3 points per dollar on eligible travel booked through Amex Travel Online, and 1 Membership Reward points per $1 on all other purchases.
As a cardholder you get all of the American Express Experiences plus access to good travel insurances.
American Express Cobalt Card
You get 5x the points for restaurants and delivery, 3x the points for streaming subscriptions, 2x the points on travel or transit, and 1x points for all other purchases.
It seems like the most reasonable card in the Amex lineup. Plus, you still benefit from all of the perks of being an Amex member. Try comparing it to other credit cards and you will find that it is one of the most generous. Please note that the APR penalty is between 25.99% and 28.99% (variable).
American Express Gold Rewards Card
The American Express Gold Rewards Card is another example of a SWP Amazon credit card in Canada. This top American Express card helps you earn up to 60,000 Membership Rewards points in the first year that you have the card.
You can also get the card in Rose gold. Still, the earn rate is pretty good. This card is different because it explicitly names pharmacy as a high earning category.
You earn 2x the points on travel, 2x the points on eligible grocery, gas, drugstores purchases, plus 1x the points on everything else.
In terms of eligible grocery, gas and drugstore purchases, it excludes superstores, wholesale clubs, alcohol retailers and general merchandise retailers. Please note that the APR penalty is between 25.99% and 28.99% (variable).
American Express Green Card
The American Express Green Card is a no-fee credit card that earns 1x the rate on all eligible purchases.
Plus, you earn one additional bonus Membership Rewards point for every dollar charged to your American Express Green Card for eligible travel bookings.
The only thing is that you have to book through the American Express Travel website where American Express Travel, not the hotel or car rental company, is the merchant.
There is no annual fee for any additional cards and you earn the 10,000 Welcome Offer if you sepnd $1,000 in the first 3 months of having the card. if you miss a payment, the interest rate will increase to anywhere between 25.99% and/or 28.99% (variable).
Amazon credit card Mastercard
Annual fee: $0
Interest rate: 19.99% for purchases, 22.99% for advances and transfers (20.99% in Quebec)
Welcome Offer: Get 5% back for the first 6 months on purchases totalling a maximum of $3,000
Canada’s Amazon Mastercard offers two different cash back rates.
If you are a Prime Member you earn back for purchases made on Amazon.ca and or at Whole Foods Marke. If you don’t have a Whole Foods in your area, you can order online. Prime members also earn 2.5% cash back on foreign currency transactions. For all other purchases made anywhere else, you get a 1% cash back incentive.
Do I need a subscription to Amazon Prime?
If you do not subscribe to Amazon Prime, your cash back rate drops to 1.5% for purchases made on Amacon.ca or at Whole Foods. You also earn only 1% on foreign currency transactions. Again, you earn 1% cash back on all other purchases made anywhere that accepts Mastercard.
Since this is a retailer card, it makes sense that the Amazon.ca Mastercard has purchase and extended warranty insurance. However you also get discounts at participating Avis or Budget car rental.You save a minimum of 10% off the base rates in the U.S. and Canada. Internationally, you get a minimum of 5% off the base rates.
Like any credit card, there is an attractive Welcome Offer. The current Welcome Offer is 5% back on restaurant, Whole Foods, Amazon.ca, and grocery store purchases. It is only valid on your first $3,000 in spending, and it expires after you’ve had the card for 6 months.
Disclaimer: 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.
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