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

ATB Gold My Rewards Mastercard

ATB Financial ATB Financial
Welcome Bonus: 10,000 points ($50 value)
Annual Fee $0
Purchase APR 19.99%
Cash Advance 22.99%
Bonus Value $50

RateBuddy Verdict

The Good
  • The inclusion of $1,500 Mobile Device Insurance is a massive win for a no-annual-fee card.
  • Earning 1.5 points per $1 on base purchases is significantly better than the standard 0.5% or 1% offered by major banks.
The Trade-offs
  • The 3x accelerated earn rate is limited to a $10,000 annual spending cap across all categories combined.
  • Redemption options are primarily locked into the ATB My Rewards portal rather than direct statement credits.

Rewards & Earnings

Groceries 1.50%
Dining 0.75%
Gas 1.50%
Travel 0.75%
Recurring Bills 1.50%
Base Rate 0.75%
Rewards Summary: 3 points per $1 on groceries, gas, digital streaming, and entertainment (up to $10,000 annual spend); 1.5 points per $1 on all other purchases.

Welcome Bonus Details

Earn 10,000 welcome bonus points upon your first eligible purchase with the card.

Estimated Value: $50

Features & Benefits

No Annual Fee
No annual fee for primary or additional cards
Mobile Device Insurance
Up to $1,500 for loss or damage
Car Rental Collision/Loss Damage Waiver
Collision Damage Waiver for 31 days
Extended Warranty Insurance
Extends warranty by 1 year
Purchase Security Insurance
90 days purchase protection
Higher Earning on Business Categories
3 pts/$1 in key categories, 1.5 pts/$1 base

Insurance Coverage

Mobile Device: $1,500; Flight Delay: Included; Delayed Luggage: Included; Car Rental: 31 days; Common Carrier Accident: $300,000; Purchase Protection: 90 days; Extended Warranty: +1 year.

Rates, Fees & Eligibility

Purchase APR19.99%
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

No Annual Fee Newcomer / New to Canada Rewards
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