Independent ClearFin review · ATB Financial
Start with 5% cash back for 3 months on up to $2,000 in eligible purchases.
Current new-cardmember offer
Confirm with the issuer
🌾 Cash RewardsIts strongest published earn rate in our data is 2.0% on dining. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueNew cardmembers can earn 5% cash back for 3 months on up to $2,000 in eligible purchases by completing the steps below.
Available on eligible new accounts; the offer ends when the three-month period or $100 bonus cap is reached.
Confirm final approval criteria and current rates directly with the issuer.
Applicants typically have stronger approval odds with a good to very good credit profile.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range. ATB does not publish a minimum credit score requirement on the issuer page, and approval decisions may also consider income, credit history, existing debt, payment history, residency, and overall application profile.
Earning capAccelerated earn rates apply until a combined total of $200 cash back has been earned from accelerated categories in a calendar year.
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
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.
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.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
2% on groceries, dining, streaming & subscriptions. 1% on gas & online. 0.5% else. No annual fee.
Dining, Groceries receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on dining and groceries and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
🌾 My Rewards
🌾 Travel Rewards
🍽️ 4% Dining
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
