MBNA

Amazon.ca Rewards Mastercard

Start with 5% back introductory offer on eligible purchases.

Annual fee
$0
Reward type
closed-loop cashback system
Typical credit · 600+
Amazon.ca Rewards Mastercard🛒 Amazon Cashback

Welcome bonus

New cardmembers can earn 5% back introductory offer on eligible purchases by completing the steps below.

How to earn it

  • 5% cashback on eligible categories (Amazon.ca, Whole Foods Canada, groceries, restaurants)First 6 months after account opening, up to $3,000 in eligible purchases

New cardholders only. Applies to eligible purchases within first 6 months, capped at $3,000 spend.

How you earn

  • 5% back on Amazon.ca, Whole Foods Market (Canada), groceries, and restaurants during the first 6 months (up to $3,000 spend)
  • 2.5% back on Amazon.ca and Whole Foods for eligible Prime members after welcome period
  • 1.5% back on Amazon.ca and Whole Foods for non-Prime members after welcome period
  • 1% back on all other purchases everywhere Mastercard is accepted
  • Rewards redeemed as Amazon.ca gift card balance applied directly to eligible purchases

Built-in perks & coverage

Purchase Assurance coverage

Covers eligible items purchased with the card against loss, theft, or damage for up to 90 days from purchase date.

Extended Warranty protection

Automatically extends manufacturer warranties by up to one additional year on eligible purchases.

Mastercard Zero Liability protection

Protects cardholders from unauthorized transactions when proper security conditions are met.

Fraud monitoring and security alerts

Real-time monitoring and alerts for suspicious or unusual transaction activity on the account.

Payment flexibility via MBNA Payment Plan

Allows eligible purchases of $100+ to be converted into fixed monthly installments over 6, 12, or 18 months.

Emergency card replacement services

Provides expedited replacement card delivery in case of loss, theft, or damage.

The verdict

What we like

  • No annual fee, making it cost-neutral to hold
  • Strong Amazon and grocery-focused rewards ecosystem
  • Simple cashback-style structure with easy redemption

Worth noting

  • Rewards are locked into Amazon ecosystem (no flexible points transfer)
  • Lower long-term earn rates outside Prime membership benefits
  • Foreign transaction fee reduces value for international use

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