No Annual Fee
Newcomer / New to Canada
Rewards
ATB Gold My Rewards Mastercard
ATB Financial
Current Welcome Offer
10,000 points ($50 value)
Annual Fee
$0
Purchase APR
19.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$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 & Takeout 0.75%
Gas & Transit 1.50%
Travel 0.75%
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.
- Groceries: 3 points per $1
- Gas: 3 points per $1
- Streaming & Subscriptions: 3 points per $1
- Entertainment: 3 points per $1
- Other Purchases: 1.5 points per $1
Welcome Bonus Details
Earn 10,000 welcome bonus points upon your first eligible purchase with the card.
Estimated Value: $50.00
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
Additional Perks
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Insurance Coverage
Mobile Device Insurance
Up to $1,500
Flight Delay / Delayed Luggage
Included (See certificate for limits)
Car Rental Collision Damage
Up to 31 consecutive days
Common Carrier Accident
Up to $300,000
Purchase Assurance
90 days against damage, theft, or loss
Extended Warranty
Double manufacturer warranty up to 1 extra year
Rates & Fees Details
| Purchase APR | 19.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Foreign Tx Fee | 2.90% |
| Income Required | No specific requirement listed. |