Which has the lower annual fee, Amazon.ca Rewards or True Line Gold?

The Amazon.ca Rewards has no annual fee, while the True Line Gold charges $39/year.

Which card is better for groceries, Amazon.ca Rewards or True Line Gold?

The Amazon.ca Rewards earns 1x on groceries, while the True Line Gold earns 0%. The better choice depends on your grocery spending and the specific merchants you shop at.

Amazon.ca Rewards vs True Line Gold — Which Is Better? | Churnr

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

Amazon.ca Rewards wins by $467/yr — strongest in groceries

Amazon.ca Rewards earns $128 more on groceries
Amazon.ca Rewards earns $105 more on shopping

Groceries: +$128Shopping: +$105Bills & Utilities: +$48

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

True Line Gold: $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

−$69

/first year

-0.2% effective$6/mo

vs 1% no-fee card: −$488

Annual rewards earned+$0

FX costs−$30

Annual fee−$39

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

+$467 more than True Line Gold

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Earn Rates by Category

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The Bottom Line

Amazon.ca Rewards wins by $467/yr — strongest in groceries

Amazon.ca Rewards earns $128 more on groceries
Amazon.ca Rewards earns $105 more on shopping

Groceries: +$128Shopping: +$105Bills & Utilities: +$48

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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