The Amazon Mastercard credit card might just be what you’re looking for.
This article is perfect for anyone, whether you shop on Amazon every week or just want a reliable card with tangible perks and easy online management.
If you value convenience, security, and savings, keep reading—it’s easier to get started with this card than you might think.
What is the Amazon Mastercard Credit Card?
The Amazon Mastercard is a widely recognized rewards credit card designed for both frequent Amazon shoppers and people who value everyday cashback.
Perhaps what stands out for many is its straightforward reward program and integration with Amazon’s massive shopping ecosystem.
Issued by MBNA (or Synchrony Bank in the US), the card works everywhere Mastercard is accepted.
While you get the best perks shopping at Amazon.ca or Amazon.com, this card offers rewards on a broader range of spending.
Standout Features and Key Benefits
If you’re unsure whether your shopping habits are “Amazon-heavy” enough, look back at your last three months of online spending.
See how much you’ve used Amazon versus other stores. It might tip the balance.
- Earn Cash Back: Collect a percentage of your Amazon purchases, and actually, even on other everyday buys like groceries or restaurant meals.
- Enhanced Rewards for Prime: If you happen to have an Amazon Prime membership, your cashback multiplier goes up, making this a great supplement for Prime users.
- No Annual Fee: Many see this as a strong plus—any cashback isn’t offset by yearly fees.
- Global Purchasing Power: Use your Amazon Mastercard worldwide, with useful rewards on foreign purchases as well.
- Contactless Payments: Supports modern tap-to-pay solutions for safer and quicker transactions.
Amazon Mastercard Credit Card – Rewards Breakdown
There’s a welcome bonus for approved applicants, too—sometimes it appears right after your first purchase.
Be sure to check the exact details, which change periodically
| Type of Purchase | Standard Cardholders | Prime Members |
|---|---|---|
| Amazon.ca & Whole Foods Market | 1.5% back | 2.5% back |
| Foreign Currency Transactions | 1% back | 2.5% back |
| Other Purchases | 1% back | 1% back |
Step-by-Step: How to Order the Amazon Mastercard Online
Don’t be discouraged if you don’t get an immediate ‘yes.’ Sometimes, they ask for more info or a quick phone call to confirm minor details.
- Go to the Official Application Page: For Canada, visit MBNA’s official site; for the US, go to Amazon’s credit card portal. Avoid third-party sites due to potential security risks.
- Click “Apply Now”: You’ll be guided to a form. Take your time, don’t rush; a single typo can sometimes complicate verification.
- Enter All Required Information: Expect to input your name, address, income, and ID details. If you’re a Prime member, make sure you’re logged in to your Amazon account so your benefits are recognized from day one.
- Review and Consent: The system will show you the terms. Don’t just scroll past—interest rates and late fees do change over time.
- Upload Supporting Documents (as required): Some applicants might need to verify details by uploading images or PDFs of identity or income documents. Make sure these are clear and not blurry.
- Submit the Application: You’ll usually receive a confirmation email. In some cases, instant approval is possible. Otherwise, watch your email (and junk folder) for a follow-up within a few business days.
Understanding Interest Rates and Fees
This is where I get extra cautious, because being surprised by a fee isn’t fun.
- Standard Purchase APR: Usually around 19.99% (varies by region)
- Cash Advances & Balance Transfers: Higher, often 22.99% or slightly lower in Quebec (20.99%)
- Foreign Transaction Fee: Rewards offset this somewhat, but always check your Terms for specifics
- Annual Fee: None (at least at time of writing)—a rare plus these days
Managing Your Card: Online Tools & Best Practices
Once your card arrives, you’ll set up an online account. The MBNA (or respective issuer’s) portal is actually quite intuitive. You can:
- See all transactions and statements in real time
- Pay your bill online, set up autopay (which I highly recommend)
- Download year-end reports—handy for taxes or budgeting
- Set up custom alerts, like when you’re close to your limit
If you forget a password, the self-serve reset is smooth—there, I said it, even if it seems basic.
Customer Support and Cardholder Help
If something does go wrong, or if you just have an odd question, don’t worry, customer support is pretty accessible.
You can reach MBNA (Canada) at 1-888-876-6262 or, for US-based cards (Synchrony), at 1-866-634-8379.
I’ve sometimes had to wait a few minutes, but most reps are helpful and polite.
If you prefer written communication, mailing addresses are available on each issuer’s site. Always use official channels to avoid phishing scams.
Is the Amazon Mastercard the Best Choice for You?
I think it depends on your patterns.
A heavy Amazon or Whole Foods spender will get more out of this than someone who prefers shopping at big box stores or local markets.
Yet even for more varied spenders, that 1% back on all Mastercard purchases puts it in line with many cash-back cards.
Alternatives like the Amazon Prime Rewards Visa (for the US) or other no-fee cashback credit cards might also be worth looking into before committing.
Frequently Asked Questions (FAQ)
Q: Can I apply without being an Amazon Prime member?
A: Yes—you’ll still earn rewards, but not at the maximum Prime-enhanced rate.
Q: What’s the timeline for card delivery?
A: Typically 7-14 days once approved, but delays happen occasionally.
Q: Can I increase my credit limit later?
A: Yes, after a few months of responsible use, you can apply for a limit increase via your online portal or by calling support.
Conclusion: Order Your Amazon Mastercard Credit Card Online Today
The process for applying for and receiving the Amazon Mastercard credit card online is genuinely hassle-free, provided you prep your documents and follow each step.
Between generous rewards, no annual fee, and a robust online management portal, this card remains a contender worth evaluating seriously.
