MBNA Amazon Rewards Mastercard Canada

Benefits & Amazon Points Calculator
The MBNA Amazon Rewards Mastercard is great for Amazon and Whole Foods Store purchases for Amazon Prime members. Non-prime members will want to look elsewhere.
Last Updated 2022-06-19

The MBNA Amazon Rewards Mastercard is a great option for Amazon Prime members looking to earn 2.5% back on Amazon purchases, but outside of that there's not much else to the card.

Whole Foods Market purchases are considered grocery store purchases and there's plenty of better cards for those type of purchases. There's also a handful of Canada credit cards that have no foreign transaction fee, so you can earn rewards when shopping internationally.

In terms of benefits, it's offers purchase assurance and extended warranty like most MBNA credit cards.

Overall, it's great if you want to maximize purchases made with Amazon, but if you're looking for a rewards card to cover all bases or you're looking for more benefits, there's better cards out there.

Card Details At-A-Glance

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Foreign Transaction Fee
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Amazon.ca Mastercard earning rates

Up To 2.5% Amazon.ca

Amazon Prime members will earn 2.5% back on Amazon purchases made with the Amazon.ca Rewards Mastercard. That makes this one of the best cards in Canada for Amazon purchases.

Non-Prime members will earn 1.5% back on Amazon purchases made with the Amazon.ca Rewards Mastercard. This is a solid return, but there are other rewards cards that can offer similar or higher returns on your purchases.

Up To 2.5% Whole Foods Market

Amazon Prime members will earn 2.5% back on Whole Foods Market purchases made with the Amazon.ca Rewards Mastercard.

Non-Prime members will earn 1.5% back on Whole Foods Market purchases made with the Amazon.ca Rewards Mastercard.

Whole Foods Market is classified as grocery/supermarket purchases and Canada has a large selection of credit cards that can earn you as much as a 5% return on your spend.

Up To 2.5% Foreign Currency Purchases

Purchases made with the Amazon.ca Rewards Mastercard that are not in Canadian Dollars (CAD) will earn 2.5% back for Prime members. The 2.5% back will cancel out the 2.5% foreign transaction fee the card has meaning that you can use the card internationally with no fees, but earn no rewards.

1% Everything Else

Prime members and non-Prime members will earn 1% back on all other purchases made with the Amazon.ca Rewards Mastercard.

This includes all non-Amazon and non-Whole Foods Market purchases in Canada, international purchases in which you choose to be charged in Canadian Dollars instead of the local currency, and foreign currency purchases made as a non-Prime member.

Amazon.ca Mastercard benefits

Avis & Budget Benefits

As an MBNA Cardholder, you will receive 10% off the lowest base rates renting cars in Canada and the United States and 5% off the lowest base rates when renting cars internationally.

You can use AWD C078405 when booking at avis.com and BCD A331704 when booking at budget.com.

Shopping Coverage

Amazon Rewards points value

Amazon Rewards Points earned with the Amazon.ca Rewards Mastercard are worth 1 cent each. This means that 100 points has a cash value of $1 in Amazon.ca purchases.

Once you reach 2,000 Amazon Rewards points, you will automatically receive a $20 Amazon.ca gift card. This card will be linked to the credit card within two billing cycles.

Alternative Credit Cards

If you're looking for some cards that offer a little bit more in terms of rewards and benefits, I've listed a few top options below.

National Bank ECHO Cashback Mastercard

Best For Online Purchases

The National Bank ECHO Cashback Mastercard earns 1.5% cash back on gas, grocery, and online purchases (up to $25,000 per year). If you're big on online shopping and want to earn regular cash back rewards that you can put towards just about anything, this is one of the best cards to have.

National Bank ECHO Cashback Mastercard
National Bank ECHO Cashback Mastercard
Annual Fee: $30
Rewards Rate
1.5%
Earn 1.5% cash back on gas, grocery, and online purchases, up to $25,000 in annual spend
1%
Earn 1% cash back on all other purchases

Tangerine World Mastercard

Best For Unlimited 2% Back

The Tangerine World Mastercard is a no-annual fee cash back credit card that allows you to earn an unlimited 2% back in up to 2 select categories of your choice with the option to choose a third category if you opt in to get your rewards deposited into a Tangerine Savings account.

Category options include grocery, restaurant, gas station, hotel/motel, and many more popular everyday categories!

Tangerine World Mastercard®
Tangerine World Mastercard®
Annual Fee: $0
Rewards Rate
2%
Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice
2%
Get your Rewards deposited into your Tangerine Savings Account and get a 3rd 2% Money-Back Category.
0.5%
Earn 0.5% Money-Back Rewards on all other purchases.
Earn 15% Back
Earn an extra 15% back* (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.

Scotiabank Gold American Express Card

Best For No FX Fees

The Scotiabank Gold American Express Card is one of the few credit cards in Canada that does not charge a foreign transaction fee on purchases made internationally. This means you can use the card to earn points worldwide.

Scotiabank Gold American Express® Card
Scotiabank Gold American Express® Card
Annual Fee: $120
Rewards Rate
5X
Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
5X
Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
3X
Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
3X
Earn 3X Scene+ points for every $1 CAD spent on eligible select streaming services.
1X
Earn 1X Scene+ point for every $1 spent on every other purchase.
40,000 bonus Scene+ points
Earn 20,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months from account opening. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.

Amazon points calculator

Input your monthly and yearly spend amounts into the Amazon.ca Mastercard point calculator to see how many Amazon points you can earn. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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