Which has the lower annual fee, Amazon.ca Rewards or Business Platinum Card?

The Amazon.ca Rewards has no annual fee, while the Business Platinum Card charges $799/year.

Which card is better for groceries, Amazon.ca Rewards or Business Platinum Card?

The Amazon.ca Rewards earns 1x on groceries, while the Business Platinum Card earns 1.25x. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the Business Platinum Card accepted everywhere in Canada?

The Business Platinum Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

Amazon.ca Rewards vs Business Platinum Card — Which Is Better? | Churnr

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

Amazon.ca Rewards wins by $468/yr — strongest in groceries

Business Platinum Card earns $192 more on groceries
Business Platinum Card earns $120 more on travel
$799 lower annual fee

Groceries: +$192Travel: +$120Shopping: +$105

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

Business Platinum Card: $30/yr in foreign transaction fees

Business Platinum Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

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

−$71

/first year

-0.2% effective$6/mo

vs 1% no-fee card: −$489

Annual rewards earned+$756

Welcome bonus+$2

FX costs−$30

Annual fee−$799

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

+$468 more than Business Platinum Card

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

Amazon.ca Rewards wins by $468/yr — strongest in groceries

Business Platinum Card earns $192 more on groceries
Business Platinum Card earns $120 more on travel
$799 lower annual fee

Groceries: +$192Travel: +$120Shopping: +$105

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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