ATB Financial

ATB Gold Cash Rewards Mastercard

Start with up to $100 in bonus cash back.

Annual fee
$0
Reward type
Cash Back
Typical credit · 725+
ATB Gold Cash Rewards Mastercard🌾 Cash Rewards

Welcome bonus

New cardmembers can earn up to $100 in bonus cash back by completing the steps below.

How to earn it

  • 5% cash back on purchases, up to $100 in bonus cash backSpend up to $2,000 within the first 3 months from account opening

Offer available on new ATB Gold Cash Rewards Mastercard accounts where the cardholder had no previous ATB Gold Cash Rewards Mastercard.

How you earn

  • 2% cash back on eligible grocery purchases
  • 2% cash back on eligible dining and food delivery purchases
  • 2% cash back on eligible digital streaming services and subscriptions
  • 1% cash back on eligible gas purchases
  • 1% cash back when the card is set as the primary card on file for eligible online and in-app purchases
  • 0.5% cash back on all other purchases

Built-in perks & coverage

No Annual Fee

The card has no annual fee, allowing cardholders to earn cash back rewards without paying an ongoing yearly card fee.

Purchase Assurance

Eligible purchases are protected against accidental damage, loss, or theft for up to 90 days from the date of purchase when charged to the card.

Extended Warranty Protection

The card doubles the original manufacturer's warranty on eligible purchases for up to one additional year, subject to policy terms and maximum coverage periods.

Rental Car Collision Damage Waiver Coverage

Receive up to 31 days of collision damage waiver coverage on eligible rental vehicles when the full rental cost is charged to the card.

Rental Car Personal Effects Coverage

Includes personal effects insurance coverage of up to $1,000 per insured person for covered losses occurring during an eligible rental vehicle period.

Common Carrier Accident Insurance

Provides accidental death and dismemberment coverage of up to $300,000 when travelling on a covered common carrier such as an airline, train, bus, or ferry.

Rental Car Accident Insurance

Provides accidental death and dismemberment coverage of up to $225,000 for covered losses occurring while occupying an eligible rental vehicle.

24/7 Travel Assistance Services

Access emergency travel assistance services when travelling outside Alberta, including help with lost luggage, lost travel documents, ticket replacement assistance, and legal referrals.

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Avis and Budget Rental Discounts

Receive up to 25% off car rental rates at participating Avis and Budget locations when paying with the ATB Gold Cash Rewards Mastercard.

Free Additional Cards

Additional cardholders can be added to the account at no extra cost.

Automatic Cash Back Redemption

Cash back rewards never expire while the account remains in good standing and are automatically applied to the account statement each January.

MyPic Card Personalization

Cardholders can personalize their card design through the MyPic program at no additional cost.

The verdict

What we like

  • No annual fee while still earning accelerated cash back in everyday spending categories
  • Comprehensive insurance package including purchase protection, extended warranty, rental car coverage, travel accident insurance, and travel assistance services
  • Free MyPic card personalization allows cardholders to customize their card design
  • Automatic annual cash back redemption with rewards that do not expire while the account remains in good standing
  • Free additional cards for authorized users
  • Up to 25% savings on eligible Avis and Budget car rentals

Worth noting

  • Only available to Alberta residents, limiting eligibility for applicants in other provinces and territories
  • Cash back rewards are automatically credited once per year in January rather than being redeemable on demand
  • Accelerated cash back categories are subject to an annual earning cap
  • Travel insurance coverage is less extensive than many premium rewards and travel credit cards

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