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With no annual fee and special benefits for Prime members, it offers excellent value for everyday spending.
Disclaimer: You will be redirected to the official website.
Benefits of Amazon Rewards Mastercard
- Welcome Offer: Earn 5% cashback on purchases at Amazon.ca, Whole Foods Market, grocery stores, and restaurants during the first 6 months, up to $3,000.
- Prime Member Rewards: Get 2.5% cashback on eligible Amazon.ca and Whole Foods Market purchases, as well as foreign currency transactions.
- Non-Prime Member Rewards: Receive 1.5% cashback on Amazon.ca and Whole Foods Market purchases, plus 1% on foreign currency transactions.
- No Annual Fee: Enjoy all card benefits without any yearly cost.
- Flexible Redemption: Redeem rewards directly at Amazon.ca checkout or as statement credits for added convenience.
- MBNA Payment Plan: Manage large purchases by splitting payments into fixed monthly installments over 6, 12, or 18 months (fees apply).
- Purchase Protection: Includes purchase assurance for the first 90 days and extended warranty benefits for eligible items.
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Pros
- Generous welcome offer for new cardholders.
- Enhanced cashback rewards for Prime members.
- No annual fee, maximizing rewards without extra costs.
- Seamless redemption directly at Amazon.ca.
- Purchase protection benefits, such as extended warranty and assurance coverage.
Cons
- Lower rewards rates for non-Prime members.
- Foreign transaction fees may apply, despite cashback on foreign purchases.
- Lacks travel-related perks like insurance or lounge access.
- The MBNA Payment Plan includes fees, reducing overall savings.
about the card
The Amazon.ca Rewards Mastercard is a no-annual-fee card tailored to meet the needs of frequent Amazon.ca and Whole Foods Market shoppers. With a simple cashback rewards structure, it provides value across everyday spending categories, including groceries, dining, and online shopping.
Prime members receive enhanced rewards, including 2.5% cashback on Amazon.ca and Whole Foods Market purchases and eligible foreign currency transactions. Non-Prime members still earn competitive cashback rates, making the card accessible to a broad audience.
One of the card’s standout features is its easy redemption process, allowing users to apply their cashback directly at Amazon.ca during checkout. This level of convenience is a major plus for regular Amazon shoppers, eliminating the hassle of complex reward programs.
While the card lacks premium travel perks or higher rewards rates outside Amazon-related purchases, its focus on everyday value makes it an excellent option for budget-conscious users.
How to Apply for the amazon rewards mastercard
Applying for this card is simple and straightforward.
- Visit the Official Website: Navigate to the Amazon.ca Rewards Mastercard page on the MBNA Canada website.
- Review Card Details: Ensure the card aligns with your spending habits and goals.
- Complete the Application: Fill in your personal and financial information accurately.
- Submit the Application: Double-check your details before submitting for processing.
- Await a Decision: Most applicants receive an instant decision, but some applications may require further review.
Disclaimer: You will be redirected to the official website.
additional perks for prime members
Amazon Prime members enjoy enhanced cashback rewards, making this card even more valuable. Prime members earn 2.5% cashback on Amazon.ca, Whole Foods Market purchases, and eligible foreign currency transactions, significantly increasing their savings on frequent purchases.
Benefits Breakdown
| Benefit | Description |
|---|---|
| Welcome Offer | 5% cashback on Amazon.ca, Whole Foods, grocery stores, and restaurants (6 months). |
| Prime Member Rewards | 2.5% cashback on Amazon.ca, Whole Foods, and foreign currency transactions. |
| Non-Prime Member Rewards | 1.5% cashback on Amazon.ca and Whole Foods; 1% on foreign transactions. |
| Other Purchases | 1% cashback everywhere Mastercard is accepted. |
| MBNA Payment Plan | Split eligible purchases of $100+ into fixed monthly payments (6, 12, or 18 months). |
| Purchase Assurance | Coverage for most items for the first 90 days from purchase date. |
| Extended Warranty | Doubles manufacturer warranties for up to 1 year. |
How to Improve Your Credit Score to Get Approved for amazon rewards mastercard CARd
To boost your approval odds and secure a higher credit limit, follow these tips:
- Pay Bills On Time: Timely payments are key to building a strong payment history, which accounts for 35% of your credit score.
- Monitor Credit Utilization: Keep your utilization rate below 30% of your available credit limit.
- Limit New Credit Applications: Too many applications can lower your score due to multiple hard inquiries.
- Review Credit Reports Regularly: Check for inaccuracies and dispute errors to maintain an accurate credit profile.
- Maintain Long-Standing Accounts: Older accounts positively contribute to your credit history length.
By following these steps, you’ll improve your credit profile and increase your chances of approval for the Amazon.ca Rewards Mastercard.
FINAL CONSIDERATIONS
The Amazon.ca Rewards Mastercard is a solid option for frequent Amazon and Whole Foods shoppers who want to earn cashback without paying an annual fee. Prime members, in particular, gain additional value through enhanced cashback rates, making the card a perfect companion for those already immersed in the Amazon ecosystem.
For non-Prime members, the card still offers competitive rewards, but its value is more limited compared to similar no-annual-fee cashback cards. Additionally, the lack of travel-related perks or elevated rewards for broader spending categories may not appeal to users looking for more comprehensive benefits.
Overall, the Amazon.ca Rewards Mastercard is best suited for budget-conscious users who prioritize convenience and simplicity in their cashback rewards. If you frequently shop on Amazon or at Whole Foods, this card is a no-brainer for maximizing your savings.
Frequently asked questions
What is the annual fee for the Amazon.ca Rewards Mastercard?
There is no annual fee for this card.
Do I need to be a Prime member to apply?
No, both Prime and non-Prime members can apply, though Prime members earn higher cashback rates.
What is the welcome offer?
New cardholders earn 5% cashback on Amazon.ca, Whole Foods Market, grocery stores, and restaurants for the first 6 months (up to $3,000 in purchases).
Can I use the card for international purchases?
Yes, you can earn cashback on eligible foreign currency transactions, though standard foreign transaction fees apply.
How do I redeem my rewards?
Rewards can be redeemed directly at Amazon.ca checkout or as statement credits.
Does the card offer purchase protection?
Yes, it includes purchase assurance (first 90 days) and extended warranty benefits for eligible purchases.
What is the MBNA Payment Plan?
It allows you to split eligible purchases of $100 or more into fixed payments over 6, 12, or 18 months, with conditions and fees applied.
