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

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

Which card is better for international purchases?

The Amazon.ca Rewards has a 2.5% foreign transaction fee, while the Brim Mastercard has no foreign transaction fee. The card with no FX fee is better for international purchases.

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

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

Amazon.ca Rewards edges ahead by $51/yr

Amazon.ca Rewards earns $63 more on shopping
Saves $30/yr in foreign transaction fees

Shopping: +$63Transit: +$18

Amazon.ca Rewards: $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

$347

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$72

Annual rewards earned+$347

FX costsNo FX fee

Annual fee−$0

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

+$51 more than Brim Mastercard

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Earn Rates by Category

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The Bottom Line

Amazon.ca Rewards edges ahead by $51/yr

Amazon.ca Rewards earns $63 more on shopping
Saves $30/yr in foreign transaction fees

Shopping: +$63Transit: +$18

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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