How to Apply for Amazon.ca Rewards Mastercard & Maximize Benefits

The Amazon.ca Rewards Mastercard is designed to help shoppers maximize their savings by earning cash back on every purchase, especially for those who shop regularly on Amazon.ca and Whole Foods Market. The best part is that this credit card has no annual fee, making it a cost-effective option for those who want to earn rewards without extra costs.

The application process for the Amazon.ca Rewards Mastercard is straightforward and can be completed online in just a few minutes. However, to increase your chances of approval, it’s important to understand the eligibility requirements, including credit score, income stability, and residency. Knowing what to expect before applying can help you avoid unnecessary rejections, which can negatively impact your credit score.

Once approved, you’ll receive a $20 Amazon.ca gift card as a welcome bonus, which can be used immediately for purchases on the site. This makes the card an attractive option for those who frequently shop on Amazon and want to start earning rewards right away.

One of the best benefits of the Amazon.ca Rewards Mastercard is the cash back program. If you’re an Amazon Prime member, you can earn 2.5% back on all eligible purchases made on Amazon.ca and Whole Foods Market. If you are not a Prime member, you still earn 1.5% cash back, which is higher than what many other no-fee credit cards offer for online shopping.

Additionally, all other purchases—whether made in Canada or internationally—earn 1% cash back, allowing you to accumulate rewards on all types of spending. Unlike some rewards programs where points expire, the cash back you earn with this card never expires, giving you the flexibility to redeem it whenever you want.

For frequent travelers or those who shop internationally, the Amazon.ca Rewards Mastercard offers additional benefits. Many credit cards charge foreign transaction fees, which can add extra costs to purchases made in other currencies. However, this card allows you to earn 1% back on foreign transactions, helping to offset some of those extra fees.

Additionally, the card comes with extended warranty protection and purchase security, which means eligible items bought with the card are covered against damage or theft for a certain period. This makes it a great option for purchasing high-value electronics, appliances, and other important items.

Managing your Amazon.ca Rewards Mastercard wisely is key to maximizing its benefits. Since this card has a high-interest rate on unpaid balances, it’s important to pay your balance in full each month to avoid unnecessary interest charges. This way, you can enjoy all the rewards without any additional costs. Another way to get the most out of the card is by tracking your spending and rewards through the MBNA online banking portal.

This allows you to see how much cash back you’ve earned and plan your redemptions strategically. If you regularly shop on Amazon, consider stacking your cash back rewards with other Amazon deals and promotions, such as Subscribe & Save discounts or limited-time offers, to maximize your savings.

In conclusion, the Amazon.ca Rewards Mastercard is a powerful tool for frequent Amazon shoppers who want to save money and earn rewards on their purchases. The no-annual-fee structure, combined with the high cash back rates for Prime members, makes it one of the best no-fee credit cards in Canada for online shopping.

Applying for the card is simple, but to get the most out of it, you need to understand the eligibility requirements, the rewards program, and how to use it effectively. By following the right strategies—such as paying off your balance in full, tracking your rewards, and taking advantage of Amazon promotions—you can maximize your benefits and enjoy a smarter shopping experience on Amazon.ca.

Overview of Amazon.ca Rewards Mastercard

The Amazon.ca Rewards Mastercard is issued by MBNA, a division of TD Bank. It is designed for people who frequently shop on Amazon.ca, Whole Foods Market, and other eligible retailers. Unlike many store credit cards, this one does not have an annual fee, making it an excellent choice for those looking for a cost-effective rewards program.

Key Features of the Amazon.ca Rewards Mastercard

• No Annual Fee – Enjoy all the benefits without paying a yearly fee.
• Earn Rewards on Every Purchase – Get 2.5% back on eligible Amazon.ca and Whole Foods Market purchases (for Prime members) and 1.5% back for non-Prime members.
• Cash Back on Foreign Transactions – Earn 1% back on all other purchases, even when spending in a foreign currency.
• Instant Amazon Gift Card – Receive a $20 Amazon gift card upon approval and activation.
• Fraud Protection – MBNA’s zero liability protection ensures you won’t be held responsible for unauthorized transactions.
• Extended Warranty & Purchase Protection – Eligible purchases are protected against theft or damage.

If you frequently shop on Amazon.ca, this card is a great way to earn rewards while making your regular purchases.

Eligibility Requirements for Amazon.ca Rewards Mastercard

Before applying, you should check if you meet the card’s eligibility criteria. This helps avoid unnecessary application rejections, which can impact your credit score.

Basic Eligibility Criteria

• Age Requirement – You must be at least the age of majority in your province (18 or 19 years old).
• Canadian Residency – This card is only available to Canadian residents.
• Credit Score – A good to excellent credit score (typically 660 or higher) increases your chances of approval.
• No Recent Bankruptcy – Your credit history should be free of recent bankruptcies or major delinquencies.
• Stable Income – While MBNA does not specify a minimum income, having a stable job and steady income improves your approval chances.

If you meet these criteria, you have a strong chance of approval when applying for the card.

Step-by-Step Guide to Applying for the Amazon.ca Rewards Mastercard

Applying for the Amazon.ca Rewards Mastercard is simple, but to ensure fast approval and smooth processing, you need to follow the right steps. This guide will take you through the entire application process, from checking your eligibility to receiving and activating your card.

Step 1: Understand the Amazon.ca Rewards Mastercard & Its Benefits

Before applying for any credit card, it’s important to understand its features, benefits, and potential drawbacks. The Amazon.ca Rewards Mastercard, issued by MBNA (a division of TD Bank), is designed for Amazon and Whole Foods Market shoppers in Canada. The biggest advantage of this card is that it offers cash back rewards with no annual fee, making it a great option for frequent Amazon.ca users.

Key Features & Benefits of the Card

• No Annual Fee – Enjoy unlimited cashback rewards without any yearly charges.
• Cash Back on Purchases – Earn 2.5% cash back on eligible Amazon.ca and Whole Foods Market purchases if you are a Prime member, 1.5% back if you are not a Prime member, and 1% back on all other purchases.
• Instant $20 Amazon.ca Gift Card – Upon approval, you receive a $20 Amazon.ca gift card as a welcome bonus.
• Extended Warranty & Purchase Protection – Provides additional warranty coverage and purchase security for eligible purchases made with the card.
• No Expiry on Cash Back Rewards – The cash back you earn never expires as long as your account is active.

By understanding these benefits, you can decide whether this card aligns with your spending habits. If you shop frequently on Amazon.ca and Whole Foods Market, this card can help you save money on every purchase.

Step 2: Check Eligibility Requirements

Before applying, ensure you meet the eligibility criteria. Many credit card applications are denied due to failure to meet basic requirements, which can negatively impact your credit score.

Amazon.ca Rewards Mastercard Eligibility Criteria

• Age Requirement – You must be at least the age of majority in your province or territory (18 or 19 years old).
• Canadian Residency – You must be a Canadian resident with a valid mailing address.
• Credit Score – A good to excellent credit score (660 or higher) improves your approval chances.
• Financial Stability – While MBNA does not specify a minimum income, having a stable income source increases the likelihood of approval.
• No Recent Bankruptcies or Major Delinquencies – Your credit history should be free from major financial issues like bankruptcy, late payments, or loan defaults.

Checking your credit score before applying can help you assess your approval chances. You can check it for free using Credit Karma, Borrowell, or through your bank.

Step 3: Gather Required Documents & Information

To complete your application smoothly, prepare the necessary information in advance. Having everything ready reduces the chances of errors or delays in processing your application.

Information You Need to Apply

• Personal Information – Your full name, date of birth, phone number, and email address.
• Government-Issued ID – Such as a driver’s license, passport, or provincial ID card to verify your identity.
• Address Details – Your residential address and postal code (and previous address if you’ve lived at your current location for less than two years).
• Employment & Income Information – Your employer’s name, occupation, and annual income (or business details if self-employed).
• Banking Details – Your current banking institution and financial situation.
• Credit Information – Details about existing credit cards, loans, or debts (if applicable).

Having these details ready will help you complete your application quickly and accurately.

Step 4: Apply Online for the Amazon.ca Rewards Mastercard

The easiest way to apply for the Amazon.ca Rewards Mastercard is through the official Amazon.ca website.

Steps to Apply Online

• Go to Amazon.ca
  
  • Visit the official Amazon.ca credit card page.
  • Click on “Apply Now” under the Amazon.ca Rewards Mastercard section.
• Fill Out the Application Form
  
  • Enter your full name, date of birth, and government-issued ID details.
  • Provide your residential address and postal code.
  • Enter your email address and phone number.
• Provide Employment & Financial Information
  
  • Fill in details about your job, employer, and annual income.
  • If self-employed, enter business details and income information.
  • Provide banking details if requested.
• Agree to Terms & Conditions
  
  • Carefully read the terms and conditions, including interest rates, fees, and reward details.
  • Check the box to confirm that you agree to the terms.
• Submit Your Application
  
  • Double-check all information for accuracy.
  • Click Submit to send your application for review.

Step 5: Wait for Approval

After submitting your application, you may receive one of the following responses:

Instant Approval

• If you meet all the eligibility criteria and your credit score is strong, you may receive instant approval within minutes.
• If approved, you will receive a $20 Amazon.ca gift card instantly, and your physical card will be mailed within 7–10 business days.

Further Review Required

• If MBNA needs additional verification, your application may go under manual review, which can take a few days to a week.
• You may be asked to provide additional documents to verify your identity or financial situation.

Application Denied

• If your application is denied, you will receive a notification with a reason for rejection.
• Common reasons include low credit score, insufficient income, or recent financial issues.
• If denied, you can improve your credit score and reapply later.

Step 6: Receive & Activate Your Card

If your application is approved, you will receive your Amazon.ca Rewards Mastercard by mail within 7–10 business days. Once you receive it, you must activate the card before using it.

How to Activate Your Amazon.ca Rewards Mastercard

• Call the Activation Number
  
  • Find the activation phone number on the sticker attached to your card.
  • Call the number and follow the automated instructions to activate your card.
• Activate Online (if available)
  
  • Log in to the MBNA online banking portal.
  • Enter the required details to activate your card online.

Once activated, you can start using your card immediately to earn cash back rewards.

Step 7: Start Using Your Card & Maximize Rewards

Now that your Amazon.ca Rewards Mastercard is active, here’s how you can make the most of it:

• Use it for all Amazon.ca and Whole Foods purchases to earn the highest cash back.
• Become an Amazon Prime member to get 2.5% cash back instead of 1.5%.
• Pay your full balance every month to avoid high-interest charges.
• Take advantage of extended warranty & purchase protection for big-ticket items.
• Check your MBNA account regularly to track your cash back earnings.

By using the card wisely, you can maximize your rewards and savings while shopping on Amazon.ca.

How to Maximize the Benefits of Your Amazon.ca Rewards Mastercard

Once you have your Amazon.ca Rewards Mastercard, you’ll want to make the most of its benefits. Here are some ways to maximize your cash back and rewards.

Become an Amazon Prime Member

• Prime members earn 2.5% cash back on Amazon.ca and Whole Foods purchases.
• If you are not a Prime member, you only earn 1.5% cash back on these purchases.
• The extra 1% difference can add up to significant savings over time.

Use Your Card for All Amazon Purchases

• Always pay for your Amazon.ca and Whole Foods orders using this card to earn maximum rewards.
• Combine it with Amazon promotions and discounted gift cards to save even more.

Take Advantage of Welcome Bonuses

• Upon approval, you receive a $20 Amazon gift card, which can be used on your next purchase.
• Sometimes, Amazon offers additional limited-time welcome bonuses, so check for promotions before applying.

Use It for International Shopping

• Unlike many credit cards that charge a foreign transaction fee, this card rewards you with 1% cash back on international purchases.
• If you frequently shop from international sellers, this is a great way to earn rewards.

Pair It with Other Cash Back Programs

• Stack your rewards by using this card along with cash back apps or Amazon Subscribe & Save for extra discounts.
• Combine it with Amazon gift card reload bonuses to increase savings.

Avoid Interest Charges by Paying in Full

• The Amazon.ca Rewards Mastercard has a high interest rate on unpaid balances.
• Always pay your full balance each month to avoid interest and maximize savings.

Use the Extended Warranty and Purchase Protection

• When you buy electronics or expensive items, the card’s extended warranty doubles the manufacturer’s warranty.
• This can save you money on repairs or replacements.

Managing Your Amazon.ca Rewards Mastercard Effectively

To ensure you get the best experience from your credit card, you need to manage it wisely.

• Track Your Rewards and Spending

• Use MBNA’s online banking or mobile app to monitor your cash back earnings and spending habits.
• Keeping track helps you maximize benefits while staying within budget.

• Pay On Time to Avoid Fees

• Late payments result in high interest charges and penalties.
• Set up automatic payments or reminders to avoid missed due dates.

• Redeem Cash Back at the Right Time
  • You can redeem cash back whenever you want, but waiting until you have a higher balance allows you to make bigger purchases without using extra cash.

• Keep Your Credit Utilization Low
  • Avoid using more than 30% of your credit limit to maintain a strong credit score.
  • If needed, request a credit limit increase to improve your credit utilization ratio.

Conclusion

The Amazon.ca Rewards Mastercard is a fantastic credit card for frequent Amazon shoppers looking to earn cash back on their purchases. The application process is easy and fast, especially if you meet the eligibility requirements. By becoming an Amazon Prime member, using the card for all Amazon purchases, and avoiding interest charges, you can maximize your cash back and enjoy premium benefits.

Managing your card responsibly by paying on time, tracking your rewards, and using the extended warranty protection ensures you get the most value from your credit card. If you shop on Amazon.ca regularly, this card is a smart financial tool that can help you save money while enjoying a hassle-free shopping experience.

Also Read – How to Apply for TD Cash Back Visa Infinite Credit Card Effortlessly