Amazon.ca Rewards Mastercard® vs MBNA True Line® Gold Mastercard®
Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Welcome bonus
Each offer as the issuer words it. The numbers below show whether your spending reaches it.
The offer
The offer
Up to $150
N/A
What each card is worth
Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.
Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.
$394
First-year value
Doesn't earn rewards
$244
Every year after
Doesn't earn rewards
Only Amazon Rewards Mastercard earns rewards we can work out.
Compare the fees, rates and perks below.
How the first year adds up
Amazon Rewards Mastercard
Amazon Prime member?
Eligible customers unlock boosted rewards on this card
Annual rewards
$243.95
cash back a year
Welcome bonus
+ $150
first year only
Annual fee
− $0
no annual fee
First-year value
$393.95
No figures for this card.
Where each card earns
A year of your spending at each card's own reward rates, most first.
1.5%AmazonCA, WholeFoods
$11.84
1%All other purchases
$232.11
Doesn't earn rewards
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Additional cards
Interest rates
Interest rates
Purchase:
21.74%
Cash Advance:
22.99%
Purchase:
10.99%
Cash Advance:
24.99%
Balance Transfer:
13.99%
Recommended credit score
Recommended credit score
Income required
Income required
Min Personal Income:
N/A
Min Household Income:
N/A
Min Personal Income:
N/A
Min Household Income:
N/A
How each card earns
The earn rates and caps, as each issuer sets them.
- 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
- No rewards earned on purchases
- Standard Annual Interest Rates of 10.99% on purchases, 13.99% on balance transfers✪, and 24.99% on cash advances
- Use available credit on your credit card to transfer funds right to your chequing account.
- Around-the-clock-fraud protection
Insurance and perks
What both cards include comes first in each list.
Insurance
Insurance
Extended Warranty
Up to a year
Purchase Protection
90 days
Extended Warranty
Doubled up to 1 yearPurchase Protection
90 days
Perks
Perks
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Yes
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationallyTrip and legal Assistance
Our take
Why we like it
Why we like 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.
A great card for having a permanently low interest rate on your purchases and balance transfers, however you do not earn any rewards.
Pros
Pros
- Impressive Prime optimization
- Foreign currency cashback
- Low purchase interest rate
- Low balance transfer rate
- Fraud protection
- Car rental discounts
- Trip and legal assistance
- Credit transfers
Cons
Cons
- Low non-Amazon optimization
- Limited benefits
- High cash advance rate
- No rewards
More comparisons
Other cards we've put each of these up against.
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.
