MBNA Amazon Mastercard

Overview

The MBNA Amazon.ca Rewards Mastercard is a no-annual-fee co-branded card issued by MBNA — a division of TD Bank — in partnership with Amazon.ca. It earns Amazon.ca rewards that apply directly to eligible purchases on Amazon.ca and Whole Foods Market Canada. The card is verified as actively available to new applicants as of early 2026 through both Amazon.ca and mbna.ca. Its earn rate centres on Amazon ecosystem spending, with a meaningful introductory bonus rate for the first several months. There is no annual fee and no minimum income requirement.

Who this card is for

This card is built for frequent Amazon.ca shoppers who make regular purchases on the platform. If Amazon.ca is one of your primary retail channels — groceries from Whole Foods, household goods, electronics — this card turns that spending into a direct discount on future Amazon.ca purchases. It works particularly well as a dedicated Amazon spend card used alongside a stronger everyday card for non-Amazon purchases, rather than as a primary card for all spending.

Key benefits

The card earns 2.5% back at Amazon.ca and Whole Foods Market Canada for Amazon Prime members, and 1.5% at those same merchants for non-Prime cardholders. All other eligible purchases earn 1% back. Rewards apply as a direct discount on future Amazon.ca orders. During the introductory promotional period for new cardholders, an elevated earn rate may apply on gas and groceries in addition to Amazon.ca purchases.

There is no annual fee, meaning the 2.5% (or 1.5%) back at Amazon.ca is pure return with no cost to offset. The card also includes purchase assurance and extended warranty protection on eligible items purchased on the card — useful for electronics bought on Amazon.ca itself.

Potential drawbacks

The rewards are Amazon.ca credits, not flexible cashback, bank rewards, or transferable points. If you ever reduce your Amazon.ca shopping or your account changes status, the rewards are only useful in the Amazon ecosystem. The earn rate outside Amazon.ca and Whole Foods is lower, making this a weak everyday card for non-Amazon spending. Acceptance is universal on Mastercard, but the rewards value proposition collapses if you're swiping it at places unrelated to Amazon. For broader everyday cashback, a card like the MBNA Smart Cash earns 2% on gas and groceries everywhere with no annual fee.

How it compares

No other major Canadian credit card replicates the Amazon.ca-specific reward structure. The closest comparison is the MBNA Smart Cash Mastercard, which earns 2% cashback on gas and groceries (including grocery retailers) at no annual fee — the cashback is more flexible but doesn't specifically reward Amazon purchases at 2.5%. For pure Amazon.ca shopping optimisation, the Amazon.ca Rewards Mastercard is the only option in Canada.

Bottom line

If you shop Amazon.ca regularly and want your purchases to automatically generate a discount on the next order, this card delivers a clean, no-fee value proposition. Pair it with a stronger all-purpose rewards card for everything outside Amazon.