Amazon.ca Rewards Mastercard®

Amazon.ca Rewards Mastercard®

APPLY NOW
mbna smart cash platinum plus mastercard

MBNA Smart Cash Platinum Plus® Mastercard®

APPLY NOW

Amazon.ca Rewards Mastercard® vs MBNA Smart Cash Platinum Plus® Mastercard®: Which one is better?


Amazon.ca Rewards Mastercard®

Amazon.ca Rewards Mastercard®

3.1


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

mbna smart cash platinum plus mastercard

MBNA Smart Cash Platinum Plus® Mastercard®

3.2


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$251.84


First Year Bonus Value

$150


Annual Fee

$0


First Year Value

$401.84

$251.84 in years after

Based on $2,000/mo average spending and assuming you are an Amazon Prime member as the primary account holder. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$210

MBNA Rewards


First Year Bonus Value

$90

MBNA Rewards


Annual Fee

$0


First Year Value

$300

$210 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included

  • extended warranty

    Extended Warranty

    Up to a year
  • purchase protection

    Purchase Protection

    90 days

Insurance Included*

  • extended warranty

    Extended Warranty

    Up to a year
  • purchase protection

    Purchase Protection

    Up to 90 days

  • car insurance

    Car Rental Damage & Theft

    Up to 31 days
  • car accident

    Car Rental Accident

    $300,000
  • heart lock

    Travel Accident

    $1,000,000
  • luggage insurance

    Car Rental Personal Effects

    $1,000
  • luggage insurance

    Car Rental Personal Effects

    $1,000/person, $2,000 occurrence

Extra Benefits

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car
  • gavel

    Trip and legal Assistance

    Yes

Extra Benefits*

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
  • gavel

    Trip and legal Assistance

    Support for emergency cash transfer, lost document and ticket replacement, lost baggage assistance, pre-trip information and legal assistance while traveling

Interest Rates

Purchase:

19.99%

Cash Advance:

22.99%

Interest Rates*

Purchase:

19.99%

Cash Advance:

24.99%

Balance Transfer:

22.99%

Annual Fee

$0

Annual Fee*

$0

Income Required

Min Personal Income:

N/A

Min Household Income:

N/A

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Welcome Bonus

Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for up to 6 months. Up to $150 cashback on top of the normal cashback earned.

Welcome Bonus*

Get 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)

Rewards Rate

  • 2.5% cashback on Amazon.ca, Whole Foods and foreign currency transactions IF a prime member
  • Only 1.5% on Amazon.ca and Whole foods and 1% on foreign currency transactions IF not a prime member
  • 1% cashback on everything else

Rewards Rate*

  • Get 2% Cash Back on eligible gas and grocery purchases (until the total gas and grocery purchases in the applicable month reaches $500)
  • Get 0.5% Cash Back for all other eligible purchases

Is this card worth it?

If you are a Prime member and want to maximize your cashback on your Amazon purchases, then this card is the best option for that specific purchase category. However, for other purchases, many other cards offer better benefits and rewards.

Is this card worth it?

The MBNA Smart Cash Platinum Plus Mastercard is a solid no-fee card for those looking to earn rewards on everyday essentials like gas and groceries. However, with a cap on rewards and a low base earn rate on other purchases, it may not be the best fit for high spenders outside of these categories.

Pros

  • If you are a Prime member, the 2.5% cashback offered on Amazon purchases is unbeatable in terms of rewards compared to other credit cards.
  • The 2.5% cashback on all foreign currency transactions helps to offset the extra 2.5% fee.

Pros

  • 5% cash back on gas and groceries: Earn 5% cash back on gas and groceries for the first 6 months (up to $500 spent per month).
  • 2% ongoing cash back on gas and groceries: After the introductory period, continue earning 2% cash back on gas and groceries, up to $500 in combined monthly spend.
  • Comprehensive insurance: Includes 7 types of insurance, including rental car insurance.
  • No annual fee: Enjoy rewards without paying a fee.

Cons

  • It offers very little on non-Amazon and non-Whole Foods purchases, with many other well-rounded credit cards out there that offer much more.
  • Very limited benefits.

Cons

  • Low cash back on other purchases: Only 0.5% cash back on non-gas and grocery purchases.
  • Cap on gas and grocery rewards: The 2% cash back on gas and groceries is limited to $500 in monthly spend.

Legal


*‡, ††, ✪, Terms and Conditions apply. This offer is not available for residents of Quebec. Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank. Check here for full details and current product information.

We may earn a commission for some of the products featured on this site. The content and reviews on FinlyWealth are independent and not influenced by advertisers. For the latest details on any product, please visit the advertiser's official website. The content provided on this website, including any credit card recommendations, is for informational and entertainment purposes only and does not constitute financial, legal, or tax advice. The owner and author(s) of this website are not financial, legal, or tax professionals. All views and opinions expressed herein are solely those of the author(s) and may not reflect the best choice for your unique situation. Always consult with a qualified professional before making any financial decisions. The owner and author(s) of this website shall not be held liable for any inaccuracies, errors, or omissions in the content or any resulting actions taken by readers.

Copyright © FinlyWealth 2025 All Rights Reserved.