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ATB Gold Cash Rewards Mastercard® Review
The Bottom Line
The ATB Gold Cash Rewards Mastercard is an excellent choice for Alberta residents looking for a no-annual-fee card that offers straightforward 1% cash back on all purchases. With a few types of insurance and a customizable card design, it’s a solid card for everyday spending, though the annual rewards payout may not be ideal for those wanting more frequent access to their cash back.
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on ATB's website
Welcome Bonus
N/A
Rewards Rate
1% cashback
Cash Back
Annual Fee
$0
Interest Rates
19.99% / 22.99%
Rewards
- 1% cash back on all eligible purchases
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Car Rental Accident
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Car Rental Damage & Theft
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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
Eligibility
Credit Score
Very GoodAnnual Income
N/A
Card Details
Interest Rates
Purchase APR
19.99%
Cash Advance APR
22.99%
Balance Transfer APR
22.99%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Very Good
Type
Card Type
Credit
Reward Type
Cash Back
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.
Get personalized rewards estimates — see exactly how much you could earn.
ATB Gold Cash Rewards Mastercard® Cash Back Calculator
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on ATB's website