Pros & cons
Pros
- No annual fee.
- Choose from 80 different card designs.
Cons
- No rewards on purchases.
- No insurance included.
- Only available for residents of Alberta.
Your rewards
How you earn rewards
This card does not earn rewards on purchases.
Top related credit cards
Compare similar cards side-by-side.
2x Award WinnerDetails and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $0.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 19.99%
- Cash Advance
- 22.99%
- Balance Transfer
- 22.99%
Genius Rating
ATB Alberta Mastercard's 2.4 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
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ATB Alberta Mastercard review
The ATB Alberta Mastercard is about as basic as it gets when it comes to credit cards. It offers no rewards, insurance, or much in the way of special features. And because of that, it also has no annual fee.
If you have no need for those things, and just need a card to pay for an occasional purchase, it might fit for you. Here are the details on what it offers.
Pros to the ATB Alberta Mastercard
This isn't much, but here are the pros to the ATB Alberta Mastercard.
1. No annual fee
If you don't like to pay an annual fee, the ATB Alberta Mastercard doesn't have one.
So that's one thing this card has going for it.
2. Choose your own card design
This is a unique feature of most ATB credit cards – you get to choose your own card design from a list of 80.
It's a nice way to add a personal touch on your credit card.
Cons to the ATB Alberta Mastercard
Here's what we don't like about the ATB Alberta Mastercard.
1. No rewards on purchases
The ATB Alberta Mastercard is as basic a credit card as you can find. And as such, it doesn't offer rewards of any kind on purchases.
2. No insurance included
If you value credit card insurance at all, this card doesn't include any. The basic extended warranty and purchase protection are not included.
3. Standard interest rates
Sometimes when a card doesn't have rewards or other features and has no annual fee, the interest rates are somewhat lower than the regular 20% rates seen on credit cards.
But nope. The interest rates are pretty standard 19.99% on purchases and 22.99% on cash advances and balance transfers.
4. Only available to residents of Alberta
Finally, ATB only operates in Alberta. And that means their credit cards are only available to residents of Alberta.
Comparison to other top no annual fee credit cards
There are plenty of top-notch no annual fee credit cards out there. Here's how this compares to 2 no fee Mastercards in the Tangerine Money-Back Credit Card and the Brim Mastercard.
| ATB Alberta Mastercard | Tangerine Money-Back Credit Card | Brim Mastercard | |
|---|---|---|---|
| Rewards | * None | * 2% cash back on purchases in up to 3 Money-Back Categories * 0.5% cash back on all other purchases | * 0.5% cash back on all purchases |
| Average Earn Rate | 0% | 1.14% | 0.83% |
| Insurance Included | 0 types | 2 types | 4 types |
| Special Feature | Choose from over 80 card designs | Ability to change what categories earn 2% | No foreign exchange fees |
| Annual Fee | $0 | $0 | $0 |
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