Get rewarded for shopping at Canada's largest online marketplace, Amazon.ca, and Whole Foods Canada with the MBNA Amazon.ca Rewards Mastercard.

Annual Fee
$0
Extra Card Fee
$0
Card Type
Credit
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

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Our Review

If you’re a frequent Amazon shopper, it might be worth taking a closer look at the Amazon.ca Rewards Mastercard. With no income requirements, no annual fee, and some basic purchase protection coverage, it offers some good perks while costing nothing to keep in your wallet.

Amazon.ca Rewards Mastercard earn rates

This card comes with a generous welcome offer of 5% in Amazon Rewards for Amazon.ca and Whole Foods Markets purchases for the first 6 months (up to $3,000 in spend).

After that, you’ll earn:

  • 2.5% in rewards on purchases at Amazon.ca or Whole Foods Markets if you have an Amazon Prime membership,
  • 1.5% in rewards on Amazon.ca and Whole Foods Market purchases if you don’t have a Prime Membership, and
  • 1% in rewards on all other purchases.

Rewards are automatically loaded into your Amazon account once you’ve earned $20, and you can then use those to pay for part or all of your Amazon.ca purchases when checking out.

And this is the only way to use your Amazon rewards, so they’re a little bit limited.

Other features of the Amazon.ca Rewards Mastercard

What other features does this card have?

Complimentary insurance

This credit card comes with 2 types of complimentary insurance:

  • 1 year of extended warranty, and
  • 90 days of purchase protection.

Earn rewards on foreign transactions

You can also earn extra rewards on foreign currency transactions, at the following rates:

  • 2.5% if you have a Prime membership, or
  • 1% if you don’t have a Prime membership.

The card does charge a foreign transaction fee of 2.5%, so the rewards you earn on those just offset all or some of this fee.

Save on rental cars

If you use this credit card to rent from Avis Rent A Car or Budget Rent A Car, you’ll save a minimum of 10% off the base rental rates in Canada, and a minimum of 5% in the US.

Start using your card as soon as you’re approved

Also, if you apply for the card you can start to use it immediately upon approval, rather than having to wait for a physical card to be mailed to you. It’s a little thing, but it’s a nice thing.

Verdict?

If you have an Amazon Prime membership, this credit card is worth having for it’s 2.5% return on Amazon purchases for no annual fee.

You could pair this with another rewards credit card to increase your return rate on non-Amazon purchases.

Some top no fee options include:

If you don’t have an Amazon Prime membership, there are other rewards cards that have a better return rate, better insurance coverage, and more flexibility. So, it’s worth shopping around if you don’t want to pay for a Prime membership.

What are your thoughts?

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Featured In:

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