Card Details
Based on $2,000 spending
First Year Value
$240
$240 in years after
Annual Rewards
$240
First Year Bonus
$0
Annual Fee
$0
First Year Value
$240
Interest Rates
Purchase: 19.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Card & Reward Type
Card Type: Credit
Reward Type: Cash Back
Our Rating
2.5/5
Institution
ATB
Rewards
- 1% cash back on all eligible purchases
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Car Rental Accident
$225,000
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Car Rental Damage & Theft
yes
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Car Rental Personal Effects
$1,000
Travel Accident
$300,000
Benefits
Details
Car Rental Discount
25% off base rate of participating Avis and Budget locations
Pros & Cons
Pros
- No annual fee: Offers 1% cash back without any annual fee, making it cost-effective.
- 1% cash back on all purchases: Consistent rewards on every purchase, with no special categories to track.
- Insurance coverage: Includes 6 types of insurance, such as rental car theft and damage coverage.
- Custom card designs: Choose from 80 different card designs for a personalized look.
Cons
- Alberta residents only: This card is only available to those living in Alberta.
- Rewards deposited annually: Cash back is deposited once a year, limiting access to rewards throughout the year.