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Mr. Loonie
Amazon.ca Rewards Mastercard

Amazon.ca Rewards Mastercard

Best for: Amazon and Whole Foods shoppers, especially Prime members, who want no annual fee

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Every year
$360

Ranked #96 of 176 for year one. See the list

See how we worked it out
Annual fee
None
Apply now on MBNA’s site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from MBNA’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

What you’d earn Can I get it? Fees Similar cards
From the numbers

The good and the bad

Stands out

  • Good: 1.5% back on brand partner
  • Good: No annual fee It costs nothing to keep.

Watch for

  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

  • Groceries $96
    1% back $800 a month · $96 a year
  • Restaurants $30
    1% back $250 a month · $30 a year
  • Gas $30
    1% back $250 a month · $30 a year
  • Recurring bills $30
    1% back $250 a month · $30 a year
  • Travel $18
    1% back $150 a month · $18 a year
  • Everything else $78
    1% back $650 a month · $78 a year
  • Foreign currency $18
    1% back $150 a month · $18 a year
For you Year one Later years
Cash back you earn $300 $300
Annual fee $0 $0
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Total $360 $360

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Brand partner
1.5% back At Amazon.ca and Whole Foods Market. 2.5% for Prime members
Foreign currency
1% back 2.5% for Prime members
Everything else (base rate)
1% back

Earn 2.5% back on eligible purchases at Amazon.ca, Whole Foods Market stores in Canada and on foreign currency transactions with an eligible Prime membership.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

  • Frugal Flyer (opens in a new tab) May 2026

    “The MBNA Amazon.ca Rewards Mastercard is a great option for those who frequently shop with Amazon. It offers cardholders rewards on their purchases, as well as extended warranty and purchase assurance benefits. If you’re not an Amazon Prime member, you may want to consider a different rewards card, as you’ll only earn a reduced rewards rate on your Amazon purchases and may find greater value in a different credit card.”

  • Pointshogger (opens in a new tab) Jun 2019

    “This card is a no-brainer for Amazon Prime members, considering the 2.5% back (after the sign up bonus). This is even a great card for people who shop frequently at Whole Foods. Otherwise, it is not necessarily a good day-to-day card for everyone else, as 1.5% back as a multiplier bonus is not that attractive, considering the cash back competition out there at the moment.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Away from Home Features
  • Trip Interruption Insurance
  • Mastercard® contactless
  • Chip & PIN
  • Mobile wallets Apple Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read MBNA’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and mobile device.

Fees and interest

What it costs

Annual fee
None
Purchase interest
21.74%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Cash advance fee
1%, Minimum of $7.50
Balance transfer fee
1%, Minimum of $7.50
Over-limit fee
$25
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $360 year one, $360 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Amazon.ca Rewards Mastercard?

There is no annual fee.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.74% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection and trip interruption insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$360
a year for you
Apply now on MBNA’s site (opens in a new tab)
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