Pros & cons
Pros
- No credit checks required.
Cons
- No rewards, benefits, or insurance included.
- Monthly fee of $1.25.
- Only available to residents of Alberta.
Your rewards
How you earn rewards
This card does not earn rewards on purchases.
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1x Award Winner
Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $15.00
- Extra Card Fee
- $0
- Card type
- Prepaid
- Purchase
- N/A
- Cash Advance
- N/A
- Balance Transfer
- N/A
Genius Rating
ATB Load & Go Mastercard's 0.6 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 Load And Go Mastercard review
A major bank in Alberta, ATB issues a wide variety of credit cards. It also offers a no-frills prepaid card with the ATB Load & Go Mastercard
Here are the details on this card.
Pros of the ATB Load & Go Mastercard
The ATB Load & Go Mastercard is a basic prepaid card. You won't earn rewards or get any perks. Its real benefit is as an alternative to a credit card.
To use a prepaid card, you have to load it with funds before you can use it. As such, you're just spending your own money and this isn't a credit product – you won’t be subjected to any credit checks and it won't appear on your credit report.
Cons of the ATB Load & Go Mastercard
There isn't much to love with this card. Here's what to keep in mind.
1. Only available to residents of Alberta
ATB only operates in Alberta, and all of its banking products – including credit cards – are only available to residents of Alberta.
2. No perks or rewards
The absence of a credit check might be considered a perk for some. But the ATB Load & Go Mastercard doesn't include any insurance, rewards, or other benefits that you can take advantage of.
3. Monthly fee
Despite being as basic as it gets, the ATB Load & Go Mastercard charges a monthly fee of $1.25, or $15 per year.
Better no annual fee prepaid cards
Here are 2 prepaid cards that offer cash back on all purchases for no annual fee, along with a few other benefits – one of which is earning interest on your prepaid balance.
| Wealthsimple Prepaid Mastercard | EQ Bank Card | |
|---|---|---|
| Rewards | * None | * 0.5% cash back on all purchases |
| Features | * No foreign exchange fees * Higher interest rate for Premium and Generation clients | * No foreign exchange fees |
| Interest rate | 2.25% | 2.75% |
| Annual fee | $0 | $0 |
| Learn more | Learn more | Learn more |
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FAQ
Does the ATB Load & Go Mastercard offer any benefits?
The ATB Load & Go Mastercard is a basic prepaid card. It doesn't offer any rewards, benefits, or insurance coverage.
Does the ATB Load & Go Mastercard charge any fees?
Even though the card doesn't offer any benefits, the ATB Load & Go Mastercard charges a monthly fee of $1.25.
Is the ATB Load & Go Mastercard a worthy prepaid card?
There isn't much to recommend with the ATB Load & Go Mastercard. There are better prepaid cards that don't charge a fee and offer rewards and interest on your prepaid balance.
Key benefits
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