How to apply for Amazon.ca Rewards Mastercard: step-by-step guide
Requirements, documents, and exact steps to apply for this card online.
This guide will show you how to apply for the Amazon.ca Rewards Mastercard, what details you need, and how to make your application as smooth as possible.
Applying for a credit card is about more than just filling out a form; having the right documents ready can speed up your approval and help you secure the best terms available.
Step 1: Prepare your documents
Gathering all necessary documents before you begin can make the process faster and more efficient.
You will need a valid personal ID, such as a Canadian driver’s licence or passport, to prove your identity.
Proof of income is typically required; employees can submit recent payslips, the self-employed may use their latest tax returns, and retirees can provide pension statements.
MBNA may also request proof of address, like a utility bill dated within the last three months.
These documents help the issuer verify your identity, ensure you meet eligibility requirements, and assess your ability to repay.
Applicants must be Canadian residents and at least the age of majority in their province or territory.
For full participation in the rewards program, a valid Amazon.ca account in good standing is needed, and Prime members will need their account linked for higher rewards.
Step 2: Submit your application
Online method: Begin by visiting the official MBNA Amazon.ca Rewards Mastercard application page.
Locate the card, then click ‘Apply Now’ to launch the secure online application form.
Fill out all personal information, including name, date of birth, address, and contact details.
You will also need to enter employment status, annual income, housing costs, and other financial details as requested.
Supporting documents may be uploaded during this stage or requested after submission.
Carefully review all fields to ensure accuracy before submitting your application.
MBNA processes card requests strictly online for this product; in-person or phone applications are not supported as standard methods.
Step 3: What happens after applying
After submitting your application, MBNA reviews the details and performs a credit assessment.
They evaluate your credit history, income, and financial obligations to determine eligibility and set your credit limit.
Decisions are commonly provided within a few business days, although some cases may take longer if additional information is needed.
If approved, you will receive confirmation by email or mail, along with your new card and activation instructions.
The card is shipped to your address on file, and you activate it by following the steps given by MBNA.
Step 4: Review costs, limits, and final conditions
There is no annual fee for the Amazon.ca Rewards Mastercard, which makes it an attractive choice for cost-conscious users.
Purchases are subject to a 21.74% interest rate, so carrying a balance can become expensive.
Cash advances and balance transfers are available, but these may have a different, typically higher, interest rate and additional fees, so always check your account agreement before using these features.
The assigned credit limit depends on your credit profile and MBNA’s assessment.
You can view your credit limit and all related fees in your account statements or the MBNA mobile app once your application is approved.
Tips to increase your approval chances
Maintain a solid credit history by making timely payments on your current accounts.
Ensure your income is stable and avoid applying for too many credit products at once, as that can impact your credit score.
Keeping your addresses and employment details current with your financial institutions also helps prevent delays.
About MBNA
MBNA is a division of TD Bank, one of Canada’s major financial institutions known for a wide range of products.
It is recognized for offering several popular credit cards and a strong track record in customer service and security.
MBNA operates under Canadian regulatory authorities, adhering to strict financial standards and consumer protection rules.
Choosing a card from a well-established issuer like MBNA can offer added peace of mind.
There is no annual fee for the Amazon.ca Rewards Mastercard, making it suitable for cost-conscious users.
Eligible Amazon Prime members earn 2.5% back at Amazon.ca and Whole Foods after the welcome offer ends. They also get 2.5% back on foreign currency transactions.
You typically need a valid personal ID, proof of income, and proof of address. These help MBNA verify your details and assess your application.
Approval times can vary but are often within a few business days if all information is complete and accurate.
