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Card Details
Interest Rates
Purchase: 19.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Welcome Bonus
N/A
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Card Type
Credit
Finly Rating
2.5/5
Institution
ATB
How You Earn Rewards
- 3 points per $1 spent on eligible groceries, gas, digital streaming services and/or subscriptions, and entertainment purchases.
- 1.5 points per $1 spent on all other eligible purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Car Rental Accident
$225,000.svg)
Car Rental Damage & Theft
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Car Rental Personal Effects
$1,000
Common Carrier Travel Accident Insurance
$300,000
Flight Delay
$500Baggage Delay
$500
Benefits
Details
Car Rental Discount
25% off base rate of participating Avis and Budget locations
Pros & Cons
Pros
- No annual fee: Enjoy travel rewards without any annual cost.
- Up to 3 points per $1: Earn 3 points per $1 spent on groceries, gas, digital streaming services, subscriptions, and entertainment.
- 8 types of insurance: Strong insurance coverage for a no-fee card, including travel accident and baggage delay.
- Customizable card design: Choose from 80 different card designs for a personalized look.
Cons
- Points value: Each point is only worth 0.5 cents when redeemed for travel, limiting the overall value of rewards.
- Alberta-only: This card is only available to residents of Alberta, restricting its availability.