Amazon.ca Rewards Mastercard: requirements and how to apply
See the reward rates, fees and Prime benefits before you apply
The Amazon.ca Rewards Mastercard is a no-annual-fee credit card that earns rewards you can redeem on Amazon.ca. It’s aimed at people who shop frequently at Amazon.ca, especially Amazon Prime members.
With its rewards and potential savings, it can be an option for regular Amazon customers.
In this guide, we’ll explore who this credit card is for, its main features and what you need to know before applying. Keep reading!
Who is the Amazon.ca Rewards Mastercard for?
The Amazon.ca Rewards Mastercard is designed for people who shop often at Amazon.ca and want to earn rewards on those purchases.
Prime members earn the highest reward rates, which can make the card more valuable for them.
To apply, you must be a Canadian resident and have reached the age of majority in your province or territory.
Benefits of the credit card
The Amazon.ca Rewards Mastercard offers several benefits for its target audience:
Rewards on your purchases
After the welcome offer ends, eligible Prime members earn 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores in Canada, plus 2.5% back on eligible foreign currency transactions.
Without a Prime membership, you earn 1.5% back at Amazon.ca and Whole Foods and 1% back on foreign currency transactions. All other eligible purchases earn 1% back, everywhere Mastercard is accepted.
Your rewards are earned as points: 100 points are worth $1 when redeemed on Amazon.ca. Points don’t expire while your account is open and in good standing.
No annual fee
The card doesn’t charge an annual fee, so you can use it without a yearly cost.
Accepted worldwide
The card is a Mastercard, so it’s accepted at millions of merchants in Canada and abroad, online and in store.
Higher rewards for Prime members
The main difference for Prime members is the reward rate: 2.5% back at Amazon.ca and Whole Foods, compared with 1.5% for non-Prime cardholders. Prime members also earn 2.5% back on foreign currency transactions, which helps offset the 2.5% foreign transaction fee.
Protection benefits
The card includes Purchase Assurance and Extended Warranty, Trip Assistance (such as lost baggage assistance and lost document and ticket replacement), Mastercard Zero Liability and emergency card replacement. It doesn’t include travel medical insurance.
Insurance coverage is subject to the terms, limits and exclusions in the Certificate of Insurance provided with the card.
Main details of the card
- Card network: Mastercard;
- Type: can be used in Canada and abroad wherever Mastercard is accepted;
- Credit limit: set by MBNA based on your application;
- Annual fee: $0;
- Interest rates: 19.99% on purchases and 22.99% on cash advances and balance transfers;
- Foreign currency conversion fee: 2.5%;
- Does it accept clients with bad credit? MBNA doesn’t publish a minimum credit score. Approval depends on its credit assessment.
Rates and fees checked on September 22, 2026, against Amazon.ca and MBNA information. MBNA notes that rates and fees may vary by province. Confirm current terms on the MBNA website before applying.
Frequently asked questions
Still have questions about the Amazon.ca Rewards Mastercard? Keep reading.
Documents and information required to apply
MBNA doesn’t publish a full list of documents for this card. When you apply, you’ll typically provide:
- Your personal information and Canadian address;
- Your employment and income details;
- Your Social Insurance Number (SIN), which is optional in Canada.
How to contact MBNA?
For questions about the card, you can contact MBNA through the phone number on the back of your card or on the MBNA website. You can also manage your account through MBNA Online Banking and the MBNA mobile app.
How to apply for the Amazon.ca Rewards Mastercard?
You can apply online on the Amazon.ca Rewards Mastercard page or on the MBNA website.
The online application shows your status once you submit it. Before applying, make sure you meet the eligibility requirements.
If you’re approved, your card will be mailed to you, and you can link it to your Amazon.ca account to earn and redeem rewards.
Conclusion
The Amazon.ca Rewards Mastercard can be a good option for people who shop frequently on Amazon.ca and want rewards they can use there, with no annual fee.
It’s most valuable for Prime members, who earn 2.5% back at Amazon.ca, at Whole Foods and on foreign currency transactions. Non-Prime members earn less, and rewards can only be redeemed on Amazon.ca.
Before applying, consider your spending habits. If you carry a balance or rarely shop on Amazon, another card may offer better value.
Click the button below to be redirected to the official website responsible for issuing the Amazon.ca Rewards Mastercard:
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Legal Disclaimer: This website is independent and purely informational, and its content does not constitute financial advice. Finvyu is not affiliated with Amazon or MBNA. We do not guarantee credit approval or card issuance, which are subject solely to the risk analysis of MBNA (a division of The Toronto-Dominion Bank). Finvyu Editorial Team.
