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The Amazon.ca Rewards Mastercard is a no-annual-fee credit card tailored for Canadian shoppers who frequently purchase from Amazon.ca, Whole Foods Market stores in Canada, and other retailers.
It offers a straightforward rewards program, allowing cardholders to earn cashback on everyday purchases.
Disclaimer: You will be redirected to the official website.
Benefits of Amazon Rewards MasterCard
- Welcome Offer: Earn 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores, and restaurants for the first 6 months on up to $3,000 in eligible purchases.
- Eligible Prime Members:
- 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores.
- 2.5% back on eligible foreign currency transactions.
- Non-Prime Members:
- 1.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores.
- 1% back on eligible foreign currency transactions.
- 1% back on eligible purchases everywhere else Mastercard is accepted.
- No Annual Fee: Enjoy all card benefits without any annual charges.
- Redeem Rewards at Amazon.ca: Apply your cashback directly to eligible purchases at Amazon.ca, simplifying the redemption process.
- MBNA Payment Plan: Manage large purchases by splitting payments over 6, 12, or 18 months with fixed monthly payments. Conditions and fees apply.
- Purchase Assurance: Coverage for most items purchased with the card for the first 90 days from the date of purchase, up to a lifetime total accumulative limit of $60,000 per account.
- Extended Warranty Benefit: Doubles the manufacturer’s warranty for up to one additional year on eligible purchases made with the card.
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Pros
- Generous Welcome Offer: 5% cashback on popular spending categories during the initial period.
- Enhanced Rewards for Prime Members: Higher cashback rates for Amazon Prime members on Amazon.ca and Whole Foods Market purchases.
- No Annual Fee: Maximize rewards without the burden of annual charges.
- Flexible Redemption: Seamless application of rewards directly at Amazon.ca checkout.
- Additional Purchase Protections: Includes purchase assurance and extended warranty benefits.
Cons
- Limited Elevated Rewards for Non-Prime Members: Lower cashback rates for those without an Amazon Prime membership.
- Foreign Transaction Fees: While you earn cashback on foreign currency transactions, standard foreign transaction fees may still apply.
- No Travel Insurance Benefits: Lacks travel-related insurance coverages that some other cards offer.
- MBNA Payment Plan Fees: Utilizing the payment plan for large purchases may incur additional fees.
about the card
The Amazon.ca Rewards Mastercard is designed to reward frequent Amazon.ca and Whole Foods Market shoppers in Canada. With no annual fee and a straightforward cashback program, it appeals to those seeking simplicity and value in their everyday purchases.
Amazon Prime members benefit from higher cashback rates, enhancing the card’s appeal to loyal Amazon customers. The ability to redeem rewards directly at Amazon.ca adds convenience, making it easy to apply cashback toward future purchases.
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How to Apply for the amazon rewards MASTERCard
- Visit the Official MBNA Canada Website: Navigate to the Amazon.ca Rewards Mastercard page.
- Review Card Details: Ensure the card’s features align with your spending habits and financial goals.
- Complete the Application: Provide accurate personal and financial information as required.
- Submit Application: Review your details and submit the application for processing.
- Await Decision: MBNA typically provides instant decisions, though some applications may require further review.
Disclaimer: You will be redirected to the official website.
No annual fee
The Amazon.ca Rewards Mastercard comes with no annual fee, allowing cardholders to enjoy rewards and benefits without any yearly cost. This feature makes it an attractive option for budget-conscious individuals seeking value from their credit card.
Benefits Breakdown
| Benefit | Description |
|---|---|
| Welcome Offer | 5% back at Amazon.ca, Whole Foods Market stores, grocery stores, and restaurants for the first 6 months on up to $3,000 in eligible purchases. |
| Prime Member Rewards | 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores; 2.5% back on eligible foreign currency transactions. |
| Non-Prime Member Rewards | 1.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores; 1% back on eligible foreign currency transactions. |
| Other Purchases | 1% back on eligible purchases everywhere else Mastercard is accepted. |
| MBNA Payment Plan | Option to pay for eligible purchases of $100 or more over 6, 12, or 18 months with fixed monthly payments; conditions and fees apply. |
| Purchase Assurance | Coverage for most items purchased with the card for the first 90 days from the date of purchase, up to |
ADDITIONAL SAVING FOR AMAZON PRIME MEMBERS
Amazon Prime members enjoy enhanced cashback rates, making this card even more rewarding. The extra savings apply to purchases at Amazon.ca, Whole Foods Market, and foreign currency transactions, allowing you to maximize your spending.
How to Improve Your Credit Score to Get Approved for the AMAZON REWARDS MASTERCard
Building and maintaining a good credit score is essential for maximizing the benefits of the Amazon.ca Rewards Mastercard. Here are actionable steps to improve your credit:
- Pay Bills on Time: Always pay at least the minimum amount due by the deadline to avoid late fees and penalties.
- Monitor Your Credit Utilization: Use less than 30% of your available credit to demonstrate responsible usage.
- Avoid Hard Credit Inquiries: Limit the number of new credit applications to prevent a drop in your score.
- Review Your Credit Report Regularly: Check for inaccuracies and dispute any errors that could harm your score.
- Keep Older Accounts Open: The length of your credit history impacts your score; maintaining older accounts helps.
- Diversify Credit Types: A mix of credit products, like loans and credit cards, can positively influence your score.
By following these steps, you can strengthen your credit profile and increase your likelihood of approval.
FINAL CONSIDERATIONS
The Amazon.ca Rewards Mastercard is an excellent choice for frequent Amazon.ca and Whole Foods Market shoppers in Canada. Its no-annual-fee structure and straightforward cashback program make it accessible to a wide range of users.
For Prime members, the additional cashback rewards significantly enhance the card’s value, while non-Prime members still benefit from competitive rates. The ability to redeem rewards directly at Amazon.ca adds a level of convenience not often seen with other cards.
However, the card does lack premium features like travel insurance or elevated cashback rates in categories beyond Amazon-related purchases. Additionally, foreign transaction fees may reduce the value of using the card for international spending.
Overall, this card is ideal for individuals who prioritize convenience and value from everyday purchases, particularly within the Amazon ecosystem. It’s a solid choice for budget-conscious users looking to maximize their spending power.