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

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

Amazon.ca Rewards vs Walmart Rewards — 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 $81/yr

Amazon.ca Rewards earns $63 more on shopping

Shopping: +$63Transit: +$18

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

Walmart 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

$317

/first year

0.8% effective$26/mo

vs 1% no-fee card: −$102

Annual rewards earned+$347

FX costs−$30

Annual fee−$0

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

+$81 more than Walmart Rewards

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

Amazon.ca Rewards edges ahead by $81/yr

Amazon.ca Rewards earns $63 more on shopping

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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