Amazon.ca Mastercard
The Amazon.ca Rewards Mastercard is a no-annual-fee credit card offered by MBNA, a division of TD Bank. It is designed for Amazon Prime and non-Prime members alike, with different reward structures depending on your membership status. Cardholders earn points on every purchase, which can be redeemed for purchases on Amazon.ca.
Top Features of the Amazon.ca Mastercard
- Earn 2.5% back in Amazon Rewards on eligible purchases at Amazon.ca and Whole Foods Market if you’re a Prime member.
- Earn 1.5% back on those same purchases without a Prime membership.
- Earn 1% back on eligible purchases at restaurants, gas stations, and drugstores in Canada.
- Earn 1% back on all other eligible purchases.
- No annual fee and no expiry on your reward points.
- Use rewards directly on Amazon.ca, with no need to convert or transfer points.
Unlike traditional cashback cards, the Amazon.ca Mastercard rewards you with points that can be used instantly where you shop most — on Amazon.ca. With no annual fee, solid reward rates, and seamless redemption, it’s an ideal credit card for tech-savvy and budget-conscious Canadian consumers.
Additional Benefits and Key Considerations
- Welcome bonus: New cardholders can receive a $15 Amazon.ca Gift Card instantly upon approval — a small but useful perk that adds value right away.
- Security features: The card comes with Mastercard Zero Liability protection, ensuring you’re not held responsible for unauthorized transactions.
- Contactless payments: Tap to pay functionality is supported, making daily purchases faster and more convenient.
- Digital access: You can manage your account online or via the MBNA mobile app, giving you control and insight over your spending.
Benefits for Prime vs. Non-Prime Members
Amazon Prime members get a significantly higher reward rate when using the Amazon.ca Mastercard. They earn 2.5% back on eligible Amazon.ca and Whole Foods Market purchases, compared to 1.5% for non-Prime users. This makes the card especially appealing for frequent Amazon shoppers who are already paying for Prime membership. Non-Prime members still benefit from competitive rates and no annual fee, but the rewards aren’t as high.
Earning and Using Points in Practice
Every dollar you spend earns Amazon Rewards points:
- 100 points = $1 to spend on Amazon.ca.
- Points accumulate automatically with each eligible purchase.
- There’s no need to track categories or activate offers.
Example: If a Prime member spends $200 at Amazon.ca, they earn 500 points — equal to $5 in rewards.
Ease of Redeeming Points
One of the most convenient aspects of the Amazon.ca Mastercard is how seamless the redemption process is:
- Points appear directly at checkout on Amazon.ca.
- You can apply them in full or partially toward your next purchase.
- No minimum redemption requirement.
- No complicated transfers or portals — just shop and apply your balance.
This makes it one of the most user-friendly rewards systems in the Canadian credit card market.
Comparison with Other Canadian Credit Cards
| Feature | Amazon.ca Mastercard (Prime) | Amazon.ca Mastercard (Non-Prime) | Tangerine Money-Back Card | PC Financial Mastercard |
|---|---|---|---|---|
| Annual Fee | $0 | $0 | $0 | $0 |
| Rewards on Amazon.ca | 2.5% back | 1.5% back | N/A | 1–3% (at select stores) |
| Rewards on Gas/Restaurants/Drugs | 1% back | 1% back | 2% (in chosen categories) | Up to 3% |
| Rewards on Other Purchases | 1% back | 1% back | 0.5% | 1% |
| Point Redemption Options | Amazon.ca only | Amazon.ca only | Statement credit | PC Optimum points |
Final Thoughts
The Amazon.ca Rewards Mastercard stands out for its seamless integration with Amazon shopping, especially for Prime members who maximize the 2.5% reward rate. The lack of an annual fee, easy redemption system, and added perks like the welcome gift card and fraud protection make this a competitive option for frequent online shoppers in Canada. However, those looking for travel perks or premium benefits might consider cards with broader reward programs.
