Pros & cons
Pros
- 1% cash back on all purchases.
- 6 types of insurance.
- Choose from 80 designs for your card.
- No annual fee.
Cons
- Only available to residents of Alberta.
Your rewards
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With ATB Gold Cash Rewards Mastercard, here's how you earn rewards:
- 1% cash back on all purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For ATB Gold Cash Rewards Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $240 |
Calculating your annual rewards
$24,000 annual spending x 1.00% return on spending = $240 annual rewards
$240 annual rewards − $0.00 annual fee = $240 net annual rewards
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Details 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%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Travel Accident
- $300,000
- Rental Car Theft & Damage
- Yes
- Rental Car Accident
- $225,000
- Rental Car Personal Effects
- $1,000
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
ATB Gold Cash Rewards Mastercard's 3.4 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 Gold Cash Rewards Mastercard review
For residents of Alberta, ATB offers a variety of credit cards to choose from. One of those is the ATB Gold Cash Rewards Mastercard.
Here's what this card offers.
Pros to the ATB Gold Cash Rewards Mastercard
Here is what to like about the ATB Gold Cash Rewards Mastercard.
1. No annual fee
The ATB Gold Cash Rewards Mastercard has no annual fee. Not everyone wants or needs a card with an annual fee, and you can save yourself some money with this card.
2. 1% back on all purchases
For a no fee card, the rewards are quite good. 1% back everywhere is in line with what the best no annual fee credit cards have to offer.
3. A selection of card designs to choose from
You're not stuck with some boring old design. You get to choose what your credit card looks like.
You can choose from 80 different card designs, so you can personalize the way you want your card to look.
Cons to the ATB Gold Cash Rewards Mastercard
Here are some things to be aware of with the ATB Gold Cash Rewards Mastercard.
1. Only available to residents of Alberta
ATB only operates in Alberta, and as such, all of their credit cards are only available to residents of that province.
2. Rewards only deposited once per year
While the rewards are good, you won't get frequent access to them
ATB will deposit your rewards as a statement credit, once per year, in January.
Comparison to the ATB Gold My Rewards Travel Mastercard
ATB has a no fee travel card in the ATB Gold My Rewards Travel Mastercard. Here's how they compare.
| ATB Gold Cash Rewards Mastercard | ATB Gold My Rewards Travel Mastercard | |
|---|---|---|
| Rewards | * 1% cash back on all purchases | * 3 points per $1 spent on groceries, gas, digital streaming services, subscriptions, and entertainment * 1.5 points per $1 spent on all other purchases |
| Average Earn Rate | 1% | 0.96% |
| Insurance Included | 6 types | 8 types |
| Special Features | * Choose from over 80 card designs | * Choose from over 80 card designs * Redeem points for travel or cash |
| Annual Fee | $0 | $0 |
Leave a review
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