Lena Hayes
The Amazon.ca Rewards Mastercard, issued by MBNA, lets Canadian shoppers earn up to 2.5% cash back at Amazon.ca and Whole Foods Market with no annual fee. Strong daily rewards, especially for Amazon Prime members, make it an easy keeper for online shopping.
Quick highlights
- 💸 No annual fee, issued by MBNA Canada.
- 🛒 2.5% cash back at Amazon.ca, Whole Foods Market, and foreign currency purchases (Prime members).
- 🎯 1.5% cash back for non-Prime members at Amazon.ca and Whole Foods Market.
- 💵 1% cash back everywhere else.
Why we like the Amazon.ca Rewards Mastercard
This card hits the sweet spot for Amazon.ca and Whole Foods Market fans. With 2.5% cash back for Prime members, it competes with top-tier no-fee cards for online shopping. The simple structure, no fee, and direct statement credits make rewards easy to use.
Stand-out features
- ✅ Up to 2.5% cash back at Amazon.ca and Whole Foods Market.
- ✅ 1% back everywhere else with no categories to track.
- ✅ No annual fee or caps on earnings.
- ✅ Cash back automatically applied as statement credit.
Good to know
- ⚠️ Non-Prime members earn 1.5% at Amazon.ca and Whole Foods Market.
- ⚠️ No premium insurance benefits.
- ⚠️ Requires MBNA account for online access and tracking.
Pros
- No annual fee and easy approval process.
- Strong earn rate for Amazon Prime members.
- Automatic statement credit redemption.
- Issued by MBNA (trusted Canadian issuer).
Cons
- No extended warranty or purchase protection benefits listed.
- No travel insurance.
- Requires Prime membership for maximum rewards.
Rewards program
- 💳 2.5% cash back at Amazon.ca and Whole Foods Market for Prime members.
- 💰 1.5% for non-Prime members in those same categories.
- 💵 1% everywhere else.
How to maximize rewards
- Link your Amazon Prime account to unlock the 2.5% earn rate.
- Use the card for all Amazon and Whole Foods purchases.
- Pay balances in full monthly to avoid interest charges.
- Pair with a travel or grocery card for diversified rewards.
Insurance & benefits
Included
- 🛍️ Basic fraud protection via MBNA.
Not included
- ❌ No purchase protection.
- ❌ No extended warranty.
- ❌ No travel coverage.
Rates & fees
| Annual fee | $0 |
|---|---|
| Purchase APR | ~19.99% |
| Cash advance APR | ~24.99% |
| Foreign transaction fee | 2.5% |
| Grace period | 21 days on new purchases |
Best uses & who it’s for
- 🛍️ Frequent Amazon.ca shoppers.
- 🥗 Whole Foods Market customers.
- 🎓 Students and young professionals who shop online often.
- 💸 Budget-conscious users wanting no annual fee.
Where it falls short
- Minimal benefits beyond rewards.
- No travel or extended warranty insurance.
- Cash back only as statement credits — no direct cash-out option.
Customer reviews
Positive feedback
“Best no-fee card for Amazon Prime members.”
“Straightforward rewards, easy statement credits.”
Critiques
“Would love extended warranty or travel benefits.”
“Only valuable if you’re a Prime member.”
Community insights
Canadian rewards enthusiasts view the Amazon.ca Rewards Mastercard as a must-have for Prime members. For others, it’s decent but not exceptional compared to general cash-back cards like Neo or Tangerine Money-Back.
AI review (straight talk)
The Amazon.ca Rewards Mastercard is perfect if you live online. Its value is tied to Amazon Prime — if you already subscribe, you’ll get one of Canada’s best no-fee earn rates for online purchases. Otherwise, the 1.5% tier is just average. Easy to keep, easy to use.
Alternatives & comparison
| Card | Annual Fee | Amazon/Online | Everywhere Else | Foreign Fee | Key Perks | Best For |
|---|---|---|---|---|---|---|
| Amazon.ca Rewards Mastercard | $0 | 2.5% (Prime) | 1% | 2.5% | No fee, instant credits | Amazon shoppers |
| Neo Mastercard | $0 | ~5% avg at partners | 0.5% | 3% | Partner cashback network | General shoppers |
| BMO CashBack Mastercard | $0 | 3% groceries | 0.5% | 2.5% | Flat cash-back, BMO banking perks | Groceries & daily spend |
FAQ
Is there an annual fee?
No, it’s completely free.
What’s the earn rate?
Prime members earn 2.5% at Amazon.ca and Whole Foods Market, non-Prime members 1.5%.
Can I redeem cash back?
Yes, as automatic statement credits.
Is travel insurance included?
No travel coverage on this card.
Final verdict & ratings
Our take The Amazon.ca Rewards Mastercard is a no-brainer for Prime members, rewarding loyal shoppers with 2.5% cash back and no annual fee. Straightforward, low maintenance, and ideal for anyone shopping regularly on Amazon.ca.
| Overall | ★★★★☆ 4.2 / 5 |
|---|---|
| Rewards value | 4.4 / 5 — excellent for Prime users |
| Benefits & protections | 3.0 / 5 — minimal extras |
| Fees & costs | 4.9 / 5 — no annual fee, standard FX fee |
| Ease of approval | 4.5 / 5 — broad eligibility |
