Cash Back
No Annual Fee
Newcomer / New to Canada
ATB Gold Cash My Rewards Mastercard
ATB Financial
Welcome Bonus:
5% cash back for the first 3 months
Secure RateBuddy connection · Application completed on ATB Financial’s site
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 APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Foreign Transaction Fee | 2.90% |
| Grace Period | 21 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
Secure RateBuddy connection