Amazon.ca Rewards Mastercard is a no-annual-fee rewards card designed for Canadians who shop regularly on Amazon.ca and want their everyday spending to work a little harder. On MBNA’s official page, the card currently features a welcome offer of 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores, and restaurants for the first 6 months on the first $3,000 in eligible purchases. That alone makes it easy to see why the card gets attention from frequent Amazon shoppers.
What gives the Amazon.ca Rewards Mastercard a stronger identity is its connection to Amazon Prime. MBNA states that after the welcome period ends, eligible Prime members earn 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores in Canada, while non-Prime cardholders earn 1.5% back in those categories. The card also earns rewards on foreign currency transactions and general spending, which gives it more use beyond only Amazon orders.
Amazon.ca Rewards Mastercard
No annual fee Earn 5% backHow the Amazon.ca Rewards Mastercard Works
The Amazon.ca Rewards Mastercard earns rewards on eligible purchases, with rates that depend partly on whether you have an eligible Prime membership. According to MBNA’s official card page, after the welcome offer ends, Prime members get 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores in Canada, while non-Prime members get 1.5% back on those same purchases. MBNA also says Prime members always get 2.5% back on eligible foreign currency transactions, while non-Prime members get 1% back on eligible foreign currency transactions. All cardholders get 1% back everywhere else Mastercard is accepted.
The rewards are tied directly to the Amazon ecosystem. Amazon’s official help pages explain that once approved, the card is added to the customer’s Amazon.ca account as the default payment method, and Amazon’s rewards terms indicate that points are automatically redeemed for Amazon.ca Gift Card(s) under the rewards program. That means the card is best understood as an Amazon-focused rewards product rather than a broad, flexible cash-back card.
MBNA also highlights extra payment flexibility through MBNA Payment Plans, including a 0% Payment Plan interest rate on 3, 6, and 12 month options, available 15 days after approval for this card. That does not change the core rewards structure, but it adds another practical feature for cardholders who may want to spread out certain purchases.
More Amazon.ca Rewards Mastercard Benefits
One of the biggest selling points of the Amazon.ca Rewards Mastercard is that it has no annual fee. MBNA’s official listings clearly show the card at $0 annual fee, which makes it easier to justify keeping long term, especially for people who already shop regularly at Amazon.ca.
Another advantage is the strength of the card for Prime members. The ongoing 2.5% back at Amazon.ca, Whole Foods Market stores in Canada, and on eligible foreign currency transactions gives Prime members a reason to consider this card beyond just the initial welcome offer. For someone already paying for Prime and shopping often within the Amazon ecosystem, that ongoing structure can be appealing.
The card also seems designed for straightforward Amazon use. Amazon’s help materials say approved customers can begin making purchases and earning points, and the card is linked into the Amazon.ca experience. That makes the product feel more integrated than a typical third-party rewards card. This final point is an inference based on Amazon’s official help pages about setup and card linking.
Amazon.ca Rewards Mastercard Cons
The biggest drawback is that the Amazon.ca Rewards Mastercard is not equally strong for everyone. Its best ongoing rates depend on having an eligible Prime membership, and the rewards are clearly most attractive for people who spend regularly at Amazon.ca and Whole Foods Market stores in Canada. If that is not your shopping pattern, the card may feel less compelling.
Another limitation is redemption flexibility. Amazon’s rewards terms indicate that points are automatically redeemed for Amazon.ca Gift Card(s), which is much narrower than cards that let users redeem for travel, statement credits, or broad cash back. For some users, that is fine. For others, it may feel restrictive.
There is also the cost of carrying a balance. MBNA’s official listings show 21.74% interest on purchases and 22.99% on balance transfers and cash advances. Because of that, the card is much more attractive for people who plan to pay in full and use it for rewards, not as a tool for ongoing borrowing.
Amazon.ca Rewards Mastercard Fees
A major advantage of the Amazon.ca Rewards Mastercard is its $0 annual fee. That helps the card stand out for Amazon.ca shoppers who want an extra earning tool without adding a yearly cost.
At the same time, the borrowing costs are not low. MBNA’s official card listings show 21.74% interest on purchases and 22.99% interest on balance transfers and cash advances. Those are typical rewards-card style rates rather than low-interest terms. That means the best value comes from using the card for rewards and repaying the balance on time.
How to Apply for the Amazon.ca Rewards Mastercard
MBNA offers the Amazon.ca Rewards Mastercard through its official application flow, and Amazon’s help page says that if your application is approved, you can begin making purchases and earning points. Amazon also explains that the card will be added to your Amazon.ca account as your default payment method after approval.
Overall, the Amazon.ca Rewards Mastercard is best suited to Canadians who already shop often at Amazon.ca and, ideally, have Prime. Its strongest selling points are the no annual fee, the Amazon-focused welcome offer, and the stronger ongoing rates for Prime members. It is less appealing for people who want flexible redemption options or who do not spend much in the Amazon ecosystem. That overall fit is an inference based on MBNA’s published reward structure and Amazon’s official rewards terms.
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