Which card is better for groceries, Amazon.ca Rewards or BMO Rewards Mastercard?

The Amazon.ca Rewards earns 1x on groceries, while the BMO Rewards Mastercard earns 0.7x. The better choice depends on your grocery spending and the specific merchants you shop at.

Amazon.ca Rewards vs BMO Rewards Mastercard — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Amazon.ca Rewards wins by $258/yr — strongest in shopping

Amazon.ca Rewards earns $84 more on shopping
Amazon.ca Rewards earns $65 more on groceries

Shopping: +$84Groceries: +$65Bills & Utilities: +$24

Amazon.ca Rewards: $30/yr in foreign transaction fees

BMO Rewards Mastercard: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$398

/first year

0.9% effective$33/mo

vs 1% no-fee card: −$21

Annual rewards earned+$428

Welcome bonus+$0

FX costs−$30

Annual fee−$0

$140

/first year

0.3% effective$12/mo

vs 1% no-fee card: −$279

Annual rewards earned+$170

FX costs−$30

Annual fee−$0

Best for your spendingAmazon.ca Rewards—$398Year 1 value

+$258 more than BMO Rewards Mastercard

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Earn Rates by Category

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The Bottom Line

Amazon.ca Rewards wins by $258/yr — strongest in shopping

Amazon.ca Rewards earns $84 more on shopping
Amazon.ca Rewards earns $65 more on groceries

Shopping: +$84Groceries: +$65Bills & Utilities: +$24

Showing Year 1 analysis

Amazon.ca Rewards wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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