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ATB Gold My Rewards Mastercard® Review
The Bottom Line
The ATB Gold My Rewards Travel Mastercard offers solid rewards and insurance without an annual fee, making it a good option for Alberta residents. However, the relatively low points value and regional availability limit its appeal for those outside Alberta or looking for higher-value rewards.
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Welcome Bonus
N/A
Rewards Rate
1.5x - 3x points
Points
Annual Fee
$0
Interest Rates
19.99% / 22.99%
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
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
Travel Accident
$300,000
Flight Delay
$500Baggage Delay
$500
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
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.
Get personalized rewards estimates — see exactly how much you could earn.
ATB Gold My Rewards Mastercard® Points Calculator
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on ATB's website