How to Apply for the Amazon.ca Rewards Mastercard

Applying for the Amazon.ca Rewards Mastercard is a simple and fully digital process designed to be completed in just a few minutes. Even though the card is marketed primarily as a companion for Amazon shoppers, the application itself follows the standard MBNA procedure used for many of its co-branded cards. Below, you’ll find a complete guide that walks you through each step, explains who the card is best suited for, and shows how to cancel it if you decide the card no longer meets your needs.

Step-by-Step Application Guide

1. Go to the Amazon.ca credit card page
The Amazon.ca Rewards Mastercard is requested directly through Amazon.ca. When you click “Apply Now,” you will be redirected to the MBNA application portal, where the entire process is completed securely.

2. Sign in to your Amazon account
Applicants must log into their Amazon.ca account before proceeding. This helps Amazon pre-fill some of your information and confirm eligibility for Prime or non-Prime reward tiers.

3. Complete the MBNA application form
You will be asked to provide:

• Full legal name
• Date of birth
• Address history
• Employment and income information
• Optional authorized user details

The form is straightforward, but accuracy is essential for approval.

4. Review and submit your application
MBNA will display a summary of your information along with all relevant disclosures. After confirming everything is correct, submit the form for evaluation.

5. Receive your decision
Most applicants receive a decision instantly. In some cases, MBNA may require identity verification or additional documentation. If approved, your card will be mailed within 7–10 business days.

Who Is This Card Recommended For?

Although the Amazon.ca Rewards Mastercard has limitations, it fits a few very specific profiles:

• Short-term maximizers: Shoppers who plan to spend heavily at Amazon, Whole Foods, grocery stores, or restaurants during the first six months and want to extract maximum value from the 5% welcome bonus.
• No-annual-fee card seekers: Users who prefer a card with zero upkeep cost and are satisfied with simple, non-flexible rewards.
• Prime members who shop moderately on Amazon: Since Prime members earn slightly better rates, occasional Amazon users who don’t care about maximizing cashback flexibility may find minimal utility as a secondary card.
• People who want basic protections without paying a fee: Purchase protection and extended warranty can offer peace of mind for small everyday purchases.

For the average Canadian shopper looking for long-term rewards or flexible cashback, this card is not the strongest option—but it can still serve a purpose when used strategically.

How to Cancel the Amazon.ca Rewards Mastercard

If you decide the card is no longer serving your financial goals, canceling is simple:

1. Call MBNA customer service at the number on the back of your card.
2. Confirm your identity by answering basic verification questions.
3. Request cancellation and ask the representative to confirm that no further interest or fees will accrue.
4. If you have pending rewards on Amazon.ca, redeem them before closing the account—unused rewards are forfeited.
5. Keep a record of the cancellation confirmation number for your files.

FAQ (Frequently Asked Questions)

1. Do I need to be a Prime member to apply?
No. Anyone can apply. However, Prime members receive higher reward rates.

2. Does applying affect my credit score?
Yes. Like any credit application in Canada, MBNA performs a hard inquiry.

3. Can I use my rewards outside Amazon.ca?
No. Rewards can only be redeemed directly on Amazon.ca at checkout.

4. Is this card good for foreign purchases?
Not really. The foreign transaction fee cancels out the advertised return.

5. Can I add an authorized user?
Yes, at no additional cost. You can add them during or after the application.

Conclusion

The Amazon.ca Rewards Mastercard is easy to apply for and works best as a short-term rewards tool rather than a long-term strategy. Its 5% introductory period can be valuable for those who plan their spending, but the modest ongoing rewards and Amazon-only redemption sharply limit its usefulness. If your goal is flexible cashback, stronger foreign purchase performance, or higher long-term earning potential, alternative cards in the Canadian market will likely serve you better.

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