Credit cards for newcomers to Canada
Start building your credit history in Canada—no credit history needed¹.
Credit cards
Whether you want rewards, a low interest rate, or a way to rebuild your credit, let ATB guide you to a choice tailored to your needs.
What is a credit card?
A credit card is a payment card that lets you borrow funds up to a set limit to make purchases, pay bills, or manage everyday expenses. ATB offers a range of Mastercard® options designed to help you earn rewards, manage your cash flow, or build your credit history. Need help choosing? Use our credit card selector tool to find the best card for you.
New clients: Claim your exclusive welcome offer today.
Earn up to $900* when you switch to ATB. Open a new chequing account and Mastercard® together to qualify for your cash offer and bonus rewards.
Learn more
Compare the full range of ATB credit cards.
Offer available on new ATB Gold My Rewards Mastercard accounts where the cardholder had no previous ATB Gold My Rewards Mastercard. The 10,000 welcome bonus points ($50 value) will be applied to the client’s ATB My Rewards account within 60 days after the first eligible purchase on the ATB Gold My Rewards Mastercard. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.
Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 1.5 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 1.5 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.
Offer available on new ATB Gold Cash Rewards Mastercard accounts where the cardholder had no previous ATB Gold Cash Rewards Mastercard. The 5% cash back rate is applied for the first three months from the account open date, or until the $100 rebate cap has been reached. After that, rewards will be earned at the standard rate (including accelerated categories). This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.
Purchases made only at selected merchant locations in Canada as identified by Mastercard's Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A full list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. Cash back rewards are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
Offer available on new ATB World Elite Mastercard accounts where the cardholder had no previous ATB World Elite Mastercard. The 40,000 welcome bonus points ($200 value) will be applied to the client’s ATB My Rewards account within 60 days after the first eligible purchase on the ATB World Elite Mastercard. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.
Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 2 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
Help me choose the best credit card.
Tell us about your preferences and we'll recommend the best credit card for your needs.
Customization options for personal ATB credit cards
MyPic®.
Put a little personality in your wallet with a custom image on your Mastercard.
Find out more
True Name™.
To better support our 2SLGBTQIA+ clients, we proudly offer the ability to use your desired name on an ATB personal Mastercard.
Find out more
Mastercard® Balance Protection.
Mastercard Balance Protection will take care of your credit card payments if you become disabled, involuntarily unemployed or critically ill.
Find out more
Mastercard® Identity Check.
Mastercard Identity Check acts as a PIN to authenticate your identity when completing online transactions.
Find out more
Manage your ATB Mastercard®.
Self-serve tools to manage your card like changing your PIN or adding to your mobile wallet through ATB Personal.
Find out moreFrequently asked questions
Yes. You can sync your ATB Mastercard with Apple Pay, Google Pay™ or Samsung Pay.
If you paid for a product and/or service with your Mastercard but did not receive it in its intended condition, then you may be eligible to dispute the payment through your Mastercard. Before initiating a dispute, you should first attempt to resolve the issue with the merchant directly.
If you are unable to resolve the issue with the merchant, contact our ATB Client Care team at 1-800-332-8383.
If there are charges on your Mastercard that you don’t recognize or did not consent to, contact our ATB Client Care team at 1-800-332-8383. If these charges are determined to be fraudulent, they will be handled by our ATB Mastercard Fraud team.
Click to Pay is Mastercard’s fast, smart way to pay online with their strongest security technology. Set up your Click to Pay profile and experience secure, password-free checkout by looking for the Click to Pay icon where Mastercard is accepted.
Good Advice for credit and debt.
How to choose a credit card that’s right for you
Review everything you should consider when selecting a credit card.
How to redeem your ATB My Rewards points
Learn how to redeem My Rewards Travel points for your dream trip, gift, or cash.
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Offer available on new ATB Gold My Rewards Mastercard accounts where the cardholder had no previous ATB Gold My Rewards Mastercard. The 10,000 welcome bonus points ($50 value) will be applied to the client’s ATB My Rewards account within 60 days after the first eligible purchase on the ATB Gold My Rewards Mastercard. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.
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Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 1.5 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
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Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 1.5 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
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Offer available on new ATB Gold Cash Rewards Mastercard accounts where the cardholder had no previous ATB Gold Cash Rewards Mastercard. The 5% cash back rate is applied for the first three months from the account open date, or until the $100 rebate cap has been reached. After that, rewards will be earned at the standard rate (including accelerated categories). This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.
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Purchases made only at selected merchant locations in Canada as identified by Mastercard's Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A full list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. Cash back rewards are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
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Offer available on new ATB World Elite Mastercard accounts where the cardholder had no previous ATB World Elite Mastercard. The 40,000 welcome bonus points ($200 value) will be applied to the client’s ATB My Rewards account within 60 days after the first eligible purchase on the ATB World Elite Mastercard. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.
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Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 2 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
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MyPic is a registered trademark of ATB Financial.
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ATB and Load & Go are registered trademarks of ATB Financial.
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Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.
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Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd. Used with permission.
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Fitbit Pay, Fitbit Charge 3, Fitbit Ionic and Fitbit Charge 3 are registered trademarks or trademarks of Fitbit, Inc. and/or its affiliates in the United States and other countries.
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* Find Chequing Account and Mastercard Bonus Terms and Conditions HERE
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Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.