ATB Gold Cash Rewards Mastercard®

ATB Gold Cash Rewards Mastercard®: interest rates, available limits, cashback and bonuses. Full conditions for obtaining a credit card online. The procedure for registration and receipt online or at a bank branch. Features.

About Gold Cash Rewards Mastercard

ATB Gold Cash Rewards Mastercard is a credit card that allows customers to earn unlimited cash back for making purchases in their favorite stores. This credit card has no annual fees and offers high cash back rates. Also, with the help of MyPic service, customers can customize the look of their credit card for free.

ATB Gold Cash Rewards Mastercard features

One of the most significant features of ATB Gold Cash Rewards Mastercard is its $0 annual fee. As a result, cardholders don’t pay for the credit card but receive unlimited cash back. However, customers should note that this credit card is only available for Albertans, as ATB Financial only offers its services to customers from this province.

What’s more, cash back is received for any purchase. The company doesn’t limit customers in choosing spots where they make purchases, as they offer 1% cash back for any purchase. Also, the amount of cash back received is unlimited.

Moreover, cardholders will enjoy some traveling perks, such as a 25% discount on car rentals at participating Avis and Budget locations when they pay with their ATB Gold Cash Rewards Mastercard.

There are more travel benefits that cardholders earn for using an ATB Gold Cash Rewards Mastercard. For example, car Rental Collision/Damage Waiver insurance coverage protects customers from any troubles with rented cars. They receive up to 31 days of collision damage waiver coverage and personal effects insurance coverage of up to $1,000 per insured person. In addition, customers will have Common Carrier Accidental Death and Dismemberment insurance covering up to $300,000. 

Finally, customers are offered Car Rental Accidental Death and Dismemberment that covers up to $225.000 if covered loss happens while using a rental car. In addition, 24/7 assistance and advice for clients who travel outside Alberta are also offered. 

Furthermore, cardholders will have their purchases protected as the company provides them with extended programs that double the original manufacturer's warranty for up to one additional year. Also, the company ensures customers’ eligible purchases from being damaged, lost, or theft for 90 days. 

The ATB Gold Cash Rewards Mastercard also has high-interest rates. Cardholders will have a 19,90% on their purchases and 21,90% on cash advances. Moreover, they may face some fees that are high too. These fees are $10 for a statement reprint, $40 for NSF, $29 for a rush replacement card, and more. 

Pros and cons

As we see, ATB Gold Cash Rewards Mastercard has several advantages:

  • The annual fee is $0;

  • Several insurance coverage services are included;

  • MyPic customization is free;

  • Cash back is unlimited;

  • Discounts on rental cars.

However, there are still some weak sides of ATB Gold Cash Rewards Mastercard:

  • Only customers from Alberta can apply;

  • A few perks and services are offered;

  • The interest rates are relatively high;

  • The maximum cash advance is only $1,000;

  • A lot of high fees. 

How to apply for an ATB Gold Cash Rewards Mastercard

You are not required to visit the company’s office to apply for an ATB Gold Cash Rewards Mastercard. Instead, you can do it online. All you need to do is to visit the company’s website and go to the “Everyday Banking” directory. Afterward, you must choose the ATB Gold Cash Rewards Mastercard page and click the “Apply Now” button. If you are not a client of ATB Financial, you must create a profile by entering your name and email address and creating a password. 

To apply for the ATB Gold Cash Rewards Mastercard, you will need to gather some of your personal information, such as an address in Alberta, contact information, and ID, such as a passport number or driving license number. You will also need information about your finances: current employment details, income, assets, shares or properties, and employer’s contact details. If you’re self-employed, you’ll need to add details about your expenses, liabilities, and your accountant’s details.

Am I eligible for an ATB Gold Cash Rewards Mastercard?

The eligibility rules of ATB Gold Cash Rewards Mastercard are simple enough. Customers must be above the majority, be Alberta citizens, have not declared personal bankruptcy in the past five years, and intend to use the card for personal banking only. 

What are ATB points worth?

ATB points have no value, so customers can’t convert them into dollars. Instead, the points are redeemed through the ATB site.

Can I apply for an ATB Gold Cash Rewards Mastercard if I live in another province? Unfortunately, no, you can’t. ATB Financial only serves Canadians who live in Alberta, so you will not be approved if you are a resident of another province.

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Last update 30.11.2022