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2.5
/5
ATB
Mastercard
ATB Gold Cash Rewards Mastercard®Cash Back Calculator
Our Take
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.
Card Details
Interest Rates
Purchase: 19.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
2.5/5
Institution
ATB
How You Earn Rewards
- 2% cash back per dollar spent on eligible grocery, dining, digital streaming services and/or subscription purchases
- 1% cash back per dollar spent on eligible gas purchases when you set up your ATB Gold Cash Rewards Mastercard as your primary card on file for any online or in app purchases
- 0.5% cash back on all other purchases
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
6 insurance
1 benefit
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
Common Carrier Travel Accident Insurance
$300,000
Benefits
Details
Car Rental Discount
25% off base rate of participating Avis and Budget locations
Pros & Cons
Pros
- No annual fee
- Comprehensive insurance coverage
- Custom card designs
Cons
- Alberta residents only
- Rewards deposited annually