Amazon.ca Rewards Visa Card from Chase

Annual Interest Rate
Purchases	19.99%
Balance Transfers	19.99%
Cash Advances	19.99%
Fees
Annual Fee	No annual fee
Cash Advance Fee	1.0% of the Cash Advance amount, minimum $5.00
Balance Transfer Fee	1.0% of the Cash Advance amount, minimum $5.00
Over the Credit Limit fee	$25.00
Foreign Transaction Fee	No Foreign Currency Transaction Fees
Other Information
Rewards Type	Cash Back
Issuer	JPMorgan Chase Bank, N.A
Network	Visa
Minimum Income	Your annual household income is at least $15,000

Additional Details and Restrictions

*The annual interest rate for the Amazon.ca Rewards Visa Card is 19.99% for purchases and cash advances. Foreign currency transactions are converted at the exchange rate set by Visa International, without additional surcharges. The card is issued by JPMorgan Chase Bank, N.A. Review Pricing & Terms for pricing details, including rates and fees. As of July 2013, The Amazon.ca Rewards Visa Card will not work in Burma (Myanmar), Cuba, Iran, North Korea, Sudan, Syria and Libya.

1. Amazon.ca Gift Certificate will be loaded to your Amazon.ca account upon credit card approval. Amazon.ca Gift Certificates are issued by Amazon.com.ca, Inc., a Delaware corporation. See www.amazon.ca/gc-legal for complete terms and conditions.

2. Accounts subject to credit approval. Your actual response time may vary depending on the Internet connection and volume of submitted requests. We may not be able to give you an immediate answer in every instance. For your protection, we limit the instant use of your new account to physical goods, shipped to your existing billing addresses. Instant credit is not available for gift certificates, digital goods, and shipping to newly added addresses until you physically receive your new credit card in the mail and update the full 16 digits and card information to your Amazon account.

3. Your cash back is earned as points (100 points= $1). You will earn 2% cash back for each $1 of eligible net purchases made at Amazon.ca and 1% cash back for each $1 of all other eligible net purchases. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers cheques or money orders, any cheques that are used to access your account, interest charges, unauthorized or fraudulent charges, or fees. Statement credit(s) will appear on your Amazon.ca Rewards Visa Card account statement. Other restrictions apply. See the Rewards Program Rules and Regulations that will be provided upon account approval.

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The information provided is for summary purposes only and at the time of posting is believed to be accurate. When you click on the Apply Now button you can review the credit card terms and conditions on the issuer's web site. Amazon is not a financial service provider and does not have any information in respect of your financial situation, your credit history or your suitability for any credit card. Please review the terms and conditions of each credit card carefully to determine what is best suited for you and your financial circumstances.

*Amazon.ca Gift Certificates are issued by Amazon.com.ca, Inc., a Delaware corporation. For complete terms and conditions, see www.amazon.ca/gc-legal. No expiration date or service fees.

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Customer Reviews

5 star

852

4 star

347

3 star

209

2 star

117

1 star

201

3.9 out of 5 stars

1,726 reviews

3.9 out of 5 stars

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Top Customer Reviews

25 of 25 people found the following review helpful

3.0 out of 5 stars Great card - Easy process - Not sure why the bank is so tight with credit limits July 13 2016

By Gary Allen

Process was easy, but for some reason this card is very tight with it's credit limits. I received a credit limit which is several times less than any other card I have. Frankly the low credit limit makes the card difficult to use on vacations, which was my primary purpose for securing the card. The 0% foreign exchange rate is a magnificent bonus, throw in another 1% cash back on transactions, and this card is worth 3.5% cash back on all of your foreign exchange purchases. That's tremendous savings.

If you follow the math - A normal credit card with 2% cash back and a +2.5% foreign exchange rate. The cost for $1000 purchase in foreign currency will be will cost you $1025. Of which you will save 2% ($20.50) for a total cost of $1004.50. With this credit card you get 1% cash back on the $1000 with no foreign exchange. So the total cost is $990. A savings of $14.50 / $1000 in foreign exchange.

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17 of 17 people found the following review helpful

3.0 out of 5 stars Good niche card. Feb. 28 2016

By Colin J. Gartner

This card fills a niche, but isn't a card that I would use for everyday use.

The pros:
1. 2% cashback on Amazon orders.
2. 1% cashback on all other purchases.
3. No annual fee.
4. No foreign exchange fees.

This last one is probably the biggest plus for this card. Most Canadian credit card users have to pay a 2.5% foreign exchange fee when using their Canadian dollar credit cards abroad. The Amazon.ca Visa is the only card in the Canadian marketplace, that I know of, that doesn't charge this type of fee. That makes this card good for any purchase in denominations other than the Canadian dollar.....great for road trips down to the U.S. for example.

The cons:
1. No purchase protection or extended warranty coverage.
2. Poor online experience. The Chase web banking platform is clunky and dated.
3. No e-statement option.
4. No auto-pay from bank account option.

I cannot speak to customer service issues with Chase, since I've never had to contact them. And, I've never had a transaction declined either. I'll edit this review should this change in future.

All in all, a good niche card for specific purposes -- Amazon purchases and non-Canadian dollar purchases -- but not a good card to be a main day-to-day card. There are other cards out in the marketplace, both fee and no-fee, that offer better rewards, plus purchase protection and extended warranty coverage.

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512 of 528 people found the following review helpful

5.0 out of 5 stars Great, for what it is July 29 2013

By B. Jones

This credit card fills two very specific niches very well: Foreign purchases (i.e.: non-$CDN), and purchases on Amazon.ca.

The lack of foreign exchange fees is like getting 2.5% cash back instantly, when compared to using most other credit cards. The 2% reward at Amazon is pretty good for a no-fee card.

This card does not strike me as though it would be a terribly good everyday card. You can get higher limits, better service, more rewards and more flexibility with other no-fee rewards cards in Canada.

This card does very well at the niches it tries to fill, but is otherwise probably not your best choice.

TIP: When purchasing online or at "machines" in the USA, e.g.: pay at the pump gas pumps, if asked for your zip code try entering the 3 digits of your postal code, followed by '00' (that's zero zero). E.g.: C3P 5B7 could be entered as 35700.

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299 of 310 people found the following review helpful

5.0 out of 5 stars Best go-to card for all purchases outside of Canada with NO foreign currency transaction fee Feb. 11 2015

By Richard

I now use this card exclusively for all out-of-Canada purchases. Unlike cards issued by the Big 5 banks, there is NO 2.5% foreign currency transaction fee. So no extra $2.50 paid to the banks for every $100 spent on the card. Using the card is better than buying USD or Euro or whatever foreign currency you will transact in. VISA can buy the foreign currency on the spot market for a far better rate than we can buy through consumer foreign currency exchange houses (whether FX companies in Canada or from the big banks in Canada). With no 2.5% foreign transaction fee, using the card would yield the lowest CAD prices for foreign purchases. I spend 4-5 months a year in the US and about 1 month overseas in other countries. I use the Amazon card for over 90% of purchases. Using the card is cheaper than me using cash because I can't buy foreign cash for as good a rate as VISA.

Customer service has been excellent. People I've dealt with are professional and helpful. I've never once had a problem in phoning the 1-800 call centre. Be sure to always phone them before you head outside of Canada to alert them to your travels. I've always done this. And not once did I ever have any issue using the card. There's never been a block on using the card.

And a small added value bonus of using the card is the 1% cashback feature. It's not significant but it does make a bit of a difference. For every $1000 spent on the card, you get $10 back. The threshold is $2000 in spending. Once $2000 is charged, $20 is refunded as a credit to the account.

So 1% cashback and no corrosive 2.5% foreign currency transaction fee with no annual fee = the best option I could find in a credit card to use outside of Canada.

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103 of 108 people found the following review helpful

4.0 out of 5 stars Great card for foreign purchases, direct or through paypal. July 16 2014

By Marc Lennox

This card finally solves the ridiculous 2.5% foreign conversion levy that is applied by every other card I've had, and also by Paypal. If you use this card to pay through paypal, you have to make sure you change the conversion option for the card to pay in the foreign currency and not let Paypal covert for you. It's hard to find this setting, just Google it for instructions.