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).
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 Type | Interest Rate |
|---|---|
| Purchase interest rate | 19.99% |
| Cash advance rate | 22.99% |
| Standard balance transfer rate | 22.99% |
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
- Head to the MBNA website to securely apply for the MBNA Amazon.ca Rewards Mastercard.
- Complete the application, which includes providing your name, email address, social insurance number and birth date.
- 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.
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