New cardmembers can earn 10,000 welcome bonus points, worth roughly $50, by completing the steps below.
How to earn it
10,000 ATB My Rewards pointsMake your first eligible purchase using the card after approval
Offer available on new ATB Gold My Rewards Mastercard accounts where the cardholder had no previous ATB Gold My Rewards Mastercard.
How you earn
3 points per $1 spent on eligible grocery purchases
3 points per $1 spent on eligible gas purchases
3 points per $1 spent on eligible digital streaming services and subscriptions
3 points per $1 spent on eligible entertainment purchases
1.5 points per $1 spent on all other eligible purchases
Built-in perks & coverage
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.
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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.
The verdict
What we like
No annual fee while still offering accelerated rewards earning in popular everyday spending categories
Strong everyday rewards optimization with elevated earn rates on groceries, gas, entertainment, and digital streaming services
Comprehensive insurance package including mobile device insurance, flight delay insurance, delayed luggage insurance, purchase protection, extended warranty coverage, and rental car coverage
MyPic card personalization allows cardholders to customize the appearance of their card at no additional cost
Flexible rewards program with redemption options for travel, merchandise, gift cards, and other rewards
Up to 25% savings on eligible Avis and Budget car rentals
Worth noting
ATB My Rewards points generally provide lower redemption value than leading airline and transferable points programs
Only available to Alberta residents, limiting eligibility for applicants in other provinces and territories
Accelerated earn categories are subject to an annual spending cap before reverting to the base earn rate
Travel benefits are more limited than those offered by premium travel rewards credit cards
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