MastercardFX: 2.5%Cash BackNo Annual Fee
MBNA / TD
MBNA Amazon.ca Rewards MC
Amazon Rewards
First Year Bonus
~$175
Welcome Bonus
5% back (first 3 mo)
Annual Fee
$0
Spend Required
$3,000 (3 mo)
Apply via rebate portal
Updated Apr 10
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Data verified Apr 12, 2026
Earn rates
2.5%
Amazon.ca & Whole Foods (Prime members)
1.5%
Amazon.ca & Whole Foods (non-Prime)
1%
everywhere else
Points value: 1–2.5% cash back rate
Transfer partners
Amazon Rewards (redeemable at Amazon.ca checkout)
Lounge access
No lounge access
Additional perks
- ✓No annual fee
- ✓Best card to use at Amazon.ca for Prime members
- ✓Rewards applied directly at Amazon checkout — no redemption friction
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkMastercard
Annual fee$0
Foreign fee2.5%
Income req.None stated
ProgramAmazon Rewards
