ATB Gold Cash My Rewards Mastercard
Cash Back No Annual Fee Newcomer / New to Canada

ATB Gold Cash My Rewards Mastercard

ATB Financial ATB Financial
Welcome Bonus: 5% cash back for the first 3 months
Annual Fee $0
Purchase APR 20.99%
Cash Advance 22.99%
Bonus Value $100

RateBuddy Verdict

The Good
  • The 2% cashback rate on groceries and dining is highly competitive for a card with no annual fee.
  • Unique 1% cashback on "Card on File" transactions rewards you for the online and app payments you already use.
  • Includes valuable travel insurance like car rental collision and common carrier accident coverage at no cost.
The Trade-offs
  • Cashback is only issued once a year in January, meaning you cannot access your rewards as you earn them.
  • The base earn rate of 0.5% is lower than some competing cards that offer 1% on all other purchases.

Rewards & Earnings

Groceries 2%
Dining 2%
Gas 1%
Travel 0.50%
Recurring Bills 2%
Base Rate 0.50%
Rewards Summary: 2% cash back on groceries, dining, and digital streaming; 1% on gas and "card on file" online/app purchases; 0.5% unlimited base cash back.

Welcome Bonus Details

Earn 5% cash back rewards for the first 3 months on up to $2,000 in total spend.

Estimated Value: $100

Features & Benefits

No Annual Fee
No annual fee
Car Rental Collision/Loss Damage Waiver
Collision Damage Waiver for 31 days
Extended Warranty Insurance
Double warranty up to 1 yr
Purchase Security Insurance
90 days purchase assurance
Common Carrier Accident Insurance
Up to $300,000 coverage

Insurance Coverage

90-day Purchase Protection, 1-year Extended Warranty, 31-day Car Rental Collision coverage, and $300,000 Common Carrier Accident insurance.

Rates, Fees & Eligibility

Purchase APR20.99%
Cash Advance APR22.99%
Annual Fee$0
Supplementary Card Fee$0
Foreign Transaction Fee2.90%
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Cash Back No Annual Fee Newcomer / New to Canada Rewards
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