How to Apply for the Amazon.ca Mastercard
The Amazon.ca Mastercard is a no-annual-fee rewards card designed for everyday shoppers who want to earn cash back on Amazon.ca, Whole Foods Market, and all their daily purchases. This guide explains who benefits most from the card, how to apply, how to cancel, and answers to the most common questions.
Who Is This Card For?
The Amazon.ca Mastercard is ideal for:
- Frequent Amazon shoppers who regularly purchase items through Amazon.ca or Whole Foods Market.
- Amazon Prime members who want higher cash-back rewards and exclusive offers.
- Canadian residents seeking a simple, no-annual-fee credit card.
- Online and international shoppers who want to avoid foreign transaction fees.
- Users who prefer automatic rewards applied directly to their Amazon account.
This card may not suit people who:
- Prefer travel rewards or premium perks.
- Carry monthly balances, as interest rates are relatively high.
- Want flexible redemption options beyond Amazon purchases.
How to Apply
Applying for the Amazon.ca Mastercard is fast and fully online. Here’s a step-by-step guide:
- Go to the official Amazon.ca website.
- Visit the Amazon.ca credit card section or go directly to the Amazon.ca Mastercard application page.
- Sign in to your Amazon account.
- You must have an Amazon.ca account to apply. Prime members will automatically qualify for enhanced benefits.
- Complete the online application.
- Provide your personal information (name, address, date of birth).
- Enter your employment and income details for credit evaluation.
- Confirm your Canadian residency and valid mailing address.
- Review and submit.
- Carefully review the terms and conditions, including the APR, fees, and privacy policy.
- Submit your application for instant online review.
- Instant decision and approval.
- Many applicants receive an instant approval decision.
- If approved, you’ll immediately receive a virtual card number for online purchases.
- The physical card will arrive by mail in approximately 7–10 business days.
Tips to Maximize Rewards
Make the most of your Amazon.ca Mastercard by using it strategically:
- Shop with Amazon Prime: Prime members earn the highest cash-back rates — up to 2.5% back year-round and 5% during the welcome period.
- Use your card for international purchases: Since there are no foreign transaction fees, you save 2.5%–3% on every purchase abroad.
- Set up digital wallets: Add your card to Apple Pay, Google Pay, or Samsung Pay for faster, more secure payments.
- Track offers through the TD app: View your transaction history, cash-back balance, and promotions in real time.
- Pay on time and in full: Avoid interest charges and maximize your true cash-back value.
- Shop during Amazon events: Events like Prime Day and Black Friday often include exclusive cashback promotions for cardholders.
How to Cancel
If you decide to close your Amazon.ca Mastercard, follow these steps:
- Pay off your entire balance.
- Ensure no pending transactions or unpaid charges remain.
- Redeem all rewards.
- Cash-back rewards are automatically applied to your Amazon.ca account, so confirm that your balance is at $0 before cancellation.
- Contact TD Bank customer service.
- Call the number on the back of your card or contact TD’s support via online chat or your account portal.
- Request official cancellation confirmation.
- Ask for a written confirmation that your account is closed and keep it for your records.
- Destroy your physical card.
- Cut it into small pieces to prevent unauthorized use.
FAQ
Q: What is the annual fee?
A: There’s no annual fee for the Amazon.ca Mastercard.
Q: Do I need to be a Prime member?
A: No, but Prime members earn higher cash-back rates (2.5% vs. 1.5%) and get access to additional offers.
Q: What rewards do I earn?
A: 2.5% (Prime) or 1.5% (non-Prime) back on Amazon.ca and Whole Foods Market, and 1% everywhere else.
Q: How are rewards redeemed?
A: Cash-back rewards are automatically converted into Amazon.ca gift card balance, applied at checkout.
Q: Are there foreign transaction fees?
A: No. The card charges 0% foreign transaction fees on purchases made abroad.
Q: What is the interest rate?
A: 19.99% on purchases and 22.99% on cash advances.
Q: Is there a welcome bonus?
A: Yes. New cardholders can earn 5% back on Amazon.ca and Whole Foods Market for the first 6 months (up to $3,000 in purchases).
Q: Can I get instant approval?
A: Many applicants receive instant approval and a temporary virtual card number for immediate use online.
Important Notes
- To qualify, you must be a Canadian resident with fair to good credit (typically 660+).
- Prime members get higher ongoing rewards, so consider a Prime subscription if you shop Amazon often.
- Always pay your balance in full monthly to avoid high interest charges.
- Remember: rewards are only redeemable at Amazon.ca, not transferable or refundable.
Conclusion
The Amazon.ca Mastercard is one of Canada’s most convenient and rewarding no-fee credit cards for Amazon and Whole Foods shoppers. Its combination of cash-back simplicity, 0% foreign transaction fees, and automatic Amazon gift card redemption makes it an excellent option for everyday use.
However, if you’re looking for travel rewards, flexible redemptions, or premium perks, you may want to explore alternatives like the American Express Cobalt Card or Scotiabank Gold American Express.
Recommendation: Apply if you frequently shop on Amazon.ca, use Prime, and prefer effortless cash-back rewards that automatically enhance your shopping experience.