Pros & cons
Pros
- Up to 3 points per $1 spent on purchases.
- Choose from 80 different card designs.
- Includes 8 types of insurance.
- No annual fee.
Cons
- Points only worth 0.5 cents each.
- Only available for residents of Alberta.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 10,000 points which translates to an estimated $50.◊
For all welcome bonus details click here.
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 My Rewards Travel Mastercard, here's how you earn rewards:
- 3 points per $1 spent on groceries , gas , digital streaming services , subscriptions, and entertainment
- 1.5 points per $1 spent on all other 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 My Rewards Travel 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 | $230 | |
| Redeem for any travel | $230 |
Calculating your annual rewards
$24,000 annual spending x 0.96% return on spending = $230 annual rewards
$230 annual rewards − $0.00 annual fee = $230 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
- Flight Delay
- $500
- Baggage Delay
- $500
- 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 My Rewards Travel Mastercard's 3.5 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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$200 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points.*GC: $200
$200 GeniusCash + Up to 20,000 bonus points + Annual bonus worth up to 15k points.*ATB Gold My Rewards Travel Mastercard review
ATB is one of the biggest banks in Alberta, and they offer a selection of credit cards for people to use.
One of them is a no fee travel credit card with the ATB Gold My Rewards Travel Mastercard – here's what it can offer you.
Pros of the ATB Gold My Rewards Travel Mastercard
Here's what the ATB Gold My Rewards Travel Mastercard has going for it.
1. No annual fee
The ATB Gold My Rewards Travel Mastercard charges no annual fee. If saving on fees is your goal, this is one of several ATB credit cards that doesn't have one.
2. Good rewards on purchases
The rewards you'll earn are in line with some of the better no fee credit cards in Canada. On all purchases, you'll earn 1% cash back on all purchases. That's a lot of points, but you have to keep in mind each point is only worth 0.5 cents each when redeemed for travel.
But that's still a return of 5% on everything.
You can also redeem your points for cash, just note your points are only worth 0.5 cents.
3. Good insurance
It may be a no fee card, but that means it doesn't skimp on the insurance. It includes 8 types. That won't compare to top travel credit cards, but that's a lot more than most no annual fee cards provide.
4. Choose your card design
With most ATB cards, there's no need to use the standard credit card design given to you. With ATB, you can choose from 80 designs, where there's bound to be something you like.
Downsides to the ATB Gold My Rewards Travel Mastercard
There's one big thing to think about with the ATB Gold My Rewards Travel Mastercard.
The major downside to this and all ATB cards is they're only available to residents of Alberta. So if you don't live in Alberta this card isn't of any value to you.
Comparison to the MBNA Rewards World Elite Mastercard
Curious how this card compares to other World Elite Mastercards? Here’s a comparison to another travel Mastercard – the MBNA Rewards World Elite Mastercard.
| ATB World Elite Mastercard | MBNA Rewards World Elite Mastercard | |
|---|---|---|
| Earn Rates | * 8 points per $1 spent on travel * 6 points per $1 spent on groceries, gas, digital streaming services, subscriptions, and entertainment * 2 points per $1 spent on all other purchases | * 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) * 1 point per $1 spent on all other purchases |
| Average Earn Rate | 1.35 | 2.86 |
| Insurance Included | 15 types | 12 types |
| Other Features | 2 free passes to Mastercard Travel Pass lounges | 10% bonus points every year on your birthday |
| Annual Fee | $120 | $120 |
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$100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards® Points.*