The Amazon.ca Rewards Mastercard — the premium tier of MBNA’s Amazon co-branded cards in Canada — earns at a higher rate on Amazon.ca purchases than the standard Amazon.ca Mastercard, and includes World Mastercard benefits. For frequent Amazon.ca shoppers who qualify for the income requirement, it delivers meaningful rewards on Amazon spending with no annual fee.
Quick Verdict
Best for: Regular Amazon.ca shoppers who qualify for World Mastercard income thresholds and want the maximum earn rate on Amazon purchases.
Not ideal for: Those who want rewards redeemable outside Amazon.ca; those who don’t shop frequently on Amazon.ca; anyone who wants cash back or transferable points (this card is Amazon-only redemption); those below the income requirement (use the standard Amazon.ca Mastercard instead).
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $0 |
| Purchase interest rate | 19.99% |
| Cash advance rate | 22.99% |
| Foreign transaction fee | 2.5% |
| Income requirement | $60,000 personal / $100,000 household |
| Network | Mastercard (World tier) |
| Welcome bonus | Verify current offer — typically Amazon.ca credits |
Earn rates, terms, and welcome bonuses are subject to change. Verify current terms at the MBNA or Amazon.ca application page.
Earn Rates
| Category | Earn Rate |
|---|---|
| Amazon.ca purchases | Elevated rate (verify current %) |
| All other purchases | Base Mastercard rate |
Rewards are deposited as Amazon.ca promotional credits — redeemable only on Amazon.ca.
World Mastercard Benefits
As a World Mastercard, this card includes:
- Extended warranty — doubles the manufacturer’s warranty up to 1 additional year
- Purchase assurance — covers damage and theft for 90 days after purchase
- Zero liability — protection against unauthorized use
Amazon.ca Rewards Mastercard vs. Alternatives
| Card | Fee | Best Rate | Flexibility |
|---|---|---|---|
| Amazon.ca Rewards Mastercard | $0 | High on Amazon.ca | Amazon.ca only |
| Amazon.ca Mastercard | $0 | Lower on Amazon.ca | Amazon.ca only |
| Tangerine Money-Back | $0 | 2% in chosen categories | Statement credit |
| Amex SimplyCash | $0 | 1.25% everywhere | Statement credit |
How to Maximize the Amazon.ca Rewards Mastercard
- Use it exclusively on Amazon.ca — the elevated rate on Amazon is where it earns most
- Check welcome bonus — typically a large Amazon.ca credit on sign-up
- Stack with Amazon Prime Day — buy during Amazon sales to earn on already-discounted items
- Use another card for non-Amazon purchases — the base earn rate on general spending is modest
Related Articles
- Amazon.ca Mastercard Review
- Best No Annual Fee Credit Cards in Canada
- Best Cash Back Credit Cards in Canada
- MBNA Credit Cards Canada
Details current as of June 2026. See our Advertiser Disclosure.