Working hard in the background...
Amazon.ca Rewards Mastercard® vs MBNA True Line® Mastercard®: Which one is better?
Amazon.ca Rewards Mastercard®
MBNA True Line® Mastercard®
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
You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee. This offer is not available for residents of Quebec.
Our Cash Offer
N/A
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
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 a hypothetical $2,000/mo average spending and assuming you are an Amazon Prime member as the primary account holder. Calculate your rewards.
Rewards Breakdown
N/A
How to Earn Rewards
- 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
How to Earn Rewards
- No rewards earned on purchases.
- Standard Annual Interest Rates of 12.99% on eligible purchases, 17.99% on balance transfers✪, and 24.99% on cash advances.
- You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee. This offer is not available for residents of Quebec.
- Use available credit on your credit card to transfer funds right to your chequing account.
- Around-the-clock fraud protection.
Insurance Included
Extended Warranty
Up to a year
Purchase Protection
90 days
Insurance Included
N/A
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Yes
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Interest Rates
Purchase:
19.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
12.99%2
Cash Advance:
24.99%2
Balance Transfer:
17.99%2
2 Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group). Important Notice: Effective September 25, 2025: If the Balance Transfer fee is less than $3.50, we will charge a minimum Balance Transfer fee of $3.50.
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
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?
Even though this card offers no benefits or rewards, the amount you can save on interest is substantial, making it an excellent option for reducing your monthly payments.
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
- Great to reduce monthly interest payments during the promotional period.
- Low purchase interest rate for people planning to put some balance on their credit card.
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
- A flat fee has to be paid on the balance to make the transfer happen.
- Not a good card other for purposes other than balance transfer.
vs MBNA True Line® Gold Mastercard®
vs MBNA Smart Cash Platinum Plus® Mastercard®
vs MBNA Smart Cash® World Mastercard®
vs MBNA Rewards Platinum Plus Mastercard®
vs MBNA Rewards World Elite® Mastercard®
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs Tangerine Money-Back Credit Card
vs SimplyCash™ Preferred Card from American Express
vs PC World Elite Mastercard
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs Rogers Red World Elite® Mastercard®
vs American Express Cobalt® Card
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.
Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).
- Important Notice: Effective September 25, 2025
If the Balance Transfer fee is less than $3.50, we will charge a minimum Balance Transfer fee of $3.50.