Cash Back
No Annual Fee
Newcomer / New to Canada
ATB Gold Cash My Rewards Mastercard
ATB Financial
Current Welcome Offer
5% cash back for the first 3 months
Annual Fee
$0
Purchase APR
20.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$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 2.00%
Dining & Takeout 2.00%
Gas & Transit 1.00%
Travel 0.50%
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.
- Groceries: 2%
- Dining & Delivery: 2%
- Digital Streaming & Subscriptions: 2%
- Gas/Fuel: 1%
- Card on File (Online/In-app): 1%
- Other Purchases: 0.5%
Welcome Bonus Details
Earn 5% cash back rewards for the first 3 months on up to $2,000 in total spend.
Estimated Value: $100.00
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
Additional Perks
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Insurance Coverage
Car Rental Collision Damage
Up to 31 consecutive days
Common Carrier Accident
Up to $300,000
Purchase Protection
90 days against damage, loss or theft
Extended Warranty
Doubles manufacturer warranty up to 1 extra year
Rates & Fees Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Foreign Tx Fee | 2.90% |
| Income Required | No specific requirement listed. |