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MBNA Amazon.ca Rewards Mastercard

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MBNA Amazon.ca Rewards Mastercard
Welcome Offer
5% cash back
Rewards
Up to 2.5% cash back
Annual Fee
$0
Purchase Interest Rate
19.99%
Cash Advance Rate
22.99%
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Summary

Get a decent return when you shop at Amazon.ca with this fee-free loyalty card. 

Get a welcome offer of 5% cash back on eligible purchases at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for the first 6 months (up to a maximum spend of $3,000).

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30-second take

  • Think about this card if you shop regularly at Amazon and don’t want to pay an annual fee.
  • Choose something else if you’re looking for comprehensive travel insurance or flexible points.
  • There are no personal or household income requirements to qualify for this card.

The basics

If you shop regularly at Amazon and want a fee-free card that lets you earn accelerated rewards for your purchases, then the MBNA Amazon.ca Rewards Mastercard could be a good fit. Card applicants will either receive the World or Platinum edition card, depending on their income level.

  • No annual fee. There’s no annual fee to maintain this card.
  • Welcome offer. Get a welcome offer of 5% cash back on eligible purchases at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for the first 6 months (up to a maximum spend of $3,000).
  • Earn more for everyday purchases. Prime members get 2.5% cash back on eligible purchases at Amazon.ca and Whole Foods Market stores in Canada, while non-Prime members get 1.5% cash back on eligible purchases at Amazon.ca and Whole Foods Market stores. Earn 1% cash back on eligible purchases made elsewhere.
  • Lose less to foreign transaction fees. Eligible Prime members get 2.5% back on eligible foreign currency transactions to help cover foreign transaction fees, while non-Prime members get 1% back.

The perks

  • Points don’t expire. Your points will never expire so long as your credit card account is open and in good standing.
  • No minimum income requirements. There are no personal or household income requirements to qualify for this card.
  • Automatic points redemption. You’ll automatically get a $20 Amazon gift card applied to your Amazon account as soon as you reach 2,000 points.
  • Basic insurance. Get Purchase Assurance, Extended Warranty coverage and access to car rental discounts, emergency service assistance and “away from home” features including Lost Document and Ticket Replacement, Lost Luggage Assistance, Pre-trip Information and Legal Assistance. All features of this program are the same for both versions of this card, except that World card holders get access to special perks such as Price Protection and Concierge Services.

What to watch out for

  • High interest. You’ll pay 19.99% on purchases and 22.99% on cash advances and balance transfers.
  • Rigid rewards. Your rewards will be cashed in automatically for a $20 Amazon gift card every time you reach 2,000 points.

MBNA Amazon.ca Rewards Mastercard interest rates

Interest TypeInterest Rate
Purchase interest rate19.99%
Cash advance rate22.99%
Standard balance transfer rate22.99%

What should I know before I apply?

To apply for an MBNA Amazon.ca Rewards Mastercard, you need to meet the following criteria:

  • Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)
  • Required documents and information:
  • Your name, residential status and contact information
  • Your social insurance number and date of birth
  • Your email address and phone number

How to apply

  1. Head to the MBNA website to securely apply for the MBNA Amazon.ca Rewards Mastercard.
  2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
  3. Review and submit your application.

Bottom line

The MBNA Amazon.ca Rewards Mastercard offers an accelerated return on purchases made at specific retailers including Amazon.ca and Whole Foods Market stores in Canada, as well as a lower rate of cash back on purchases made elsewhere. If you travel overseas often, you can also enjoy up to 2.5% back to cover foreign transaction fees.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Up to 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at partner stores and at least 1% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
21.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
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