Independent ClearFin review · ATB Financial
Start with 10,000 ATB My Rewards points — $50 stated value.
Current new-cardmember offer
Confirm with the issuer
🌾 My RewardsIts strongest published earn rate in our data is 1.5% on groceries. 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 10,000 ATB My Rewards points — $50 stated value by completing the steps below.
The bonus is awarded after the first eligible card use, subject to account terms.
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 for the ATB Gold My Rewards Mastercard, and approval decisions may also consider income, credit history, existing debt, payment history, residency, and overall application profile.
Earning capThe 3x accelerated earn rate applies to the first $10,000 in annual purchases across eligible accelerated categories. After the cap is reached, purchases earn 1.5 points per $1 spent until the cap resets in January.
Redemption values and availability may vary by option and can change.
Redeem the card's rewards through the issuer's current rewards program.
Available options, minimums, transfer access, and redemption values vary; 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 and redeem points-based rewards without paying an ongoing yearly card fee.
Flexible Rewards Redemption
Points can be redeemed through the ATB My Rewards program for travel, merchandise, gift cards, and other available rewards options.
Mobile Device Insurance
Eligible mobile devices purchased with the card are covered for up to $1,500 against loss, theft, accidental damage, or mechanical breakdown, subject to policy terms and exclusions.
Flight Delay Insurance
Provides reimbursement for eligible expenses when a covered flight is delayed by at least four hours or boarding is denied, with coverage of up to $250 per day and $500 per trip.
Delayed Luggage Insurance
Provides reimbursement for essential purchases when checked baggage is delayed for more than four hours, with coverage of up to $250 per day for up to two days.
Purchase Assurance
Eligible purchases are protected against accidental damage, loss, or theft for up to 90 days from the purchase date when charged to the card.
Extended Warranty Protection
Doubles the original manufacturer's warranty on eligible purchases for up to one additional year beyond the original warranty period.
Rental Car Collision Damage Waiver Coverage
Provides 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 rental period.
Travel Accident Insurance
Includes up to $300,000 of common carrier accidental death and dismemberment coverage and up to $225,000 of rental car accidental death and dismemberment coverage.
24/7 Travel Assistance Services
Provides access to emergency travel assistance services, including help with lost luggage, lost documents, ticket replacement assistance, and legal referrals while travelling.
Avis and Budget Rental Discounts
Receive up to 25% off eligible car rentals at participating Avis and Budget locations when paying with the card.
Free Additional Cards
Additional cardholders can be added to the account at no extra cost.
MyPic Card Personalization
Customize your card design through the MyPic program at no additional charge.
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.
3x points (1.5%) on groceries, gas, streaming, subscriptions & entertainment. 1.5x on everything else. No fee.
Groceries, Gas receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 0.75%.
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 groceries and gas 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.
🌾 Cash Rewards
🌾 Travel Rewards
🆓 No-Fee Amex
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.
