Cash back rewards for everyday purchases, rewards for everyday life.
Unlimited cash back rewards
Get cash back for what you're already buying—no need to start shopping at different stores or buying unfamiliar products to earn rewards.
Keep it simple
Say goodbye to tricky tiers, confusing limits and gimmicky prizes. Earn unlimited cash back rewards at a rate of 1% on all your purchase. It’s that simple1.
Reap the benefits
Cash back rewards are automatically applied to your statement every January.
Drive at a discount
Get up to 25% off car rentals at participating Avis® and Budget® locations, when you pay with your ATB Gold Cash Rewards Mastercard3.
Protect your purchases
Protect eligible purchases against damage or theft for up to 90 days. Double the original manufacturer's warranty up to one additional year.2
Protect yourself while travelling
Get up to 31 days of collision damage waiver coverage, plus personal effects coverage up to $1,000 per insured person when renting a car. Up to $300,000 if a covered accident occurs while traveling in a common carrier.2
Frequently Asked Questions
You are eligible to apply for an ATB Gold Cash Rewards Mastercard if you meet all of the following:
- are an Alberta resident
- are at least 18 years old
- have not declared personal bankruptcy in the past five years
- intend to use the card for personal banking only
Yes. You can apply for this card with a co-applicant and use it jointly.
Both co-applicants must meet the eligibility requirements and will be jointly responsible for the account.
There are two different kinds of insurance and one benefit program you can access when you use your card to purchase the full cost of a car rental or common carrier (i.e. a commercial entity that gets paid to transport goods or people) travel:
- Car Rental Collision/Damage Waiver insurance2: Receive up to 31 days of collision damage waiver coverage, plus personal effects insurance coverage up to $1,000 per insured person.
- Common Carrier Accidental Death & Dismemberment2: Insurance benefits of up to $300,000 if covered loss occurs while occupying a common carrier.
- Car Rental Accidental Death & Dismemberment2: Insurance benefits of up to $225,000 if covered loss occurs while occupying a rental car.
You also have access to 24/7 assistance and advice for lost luggage or documents, ticket replacements, and legal referrals when travelling outside Alberta.2
With the ATB Gold Cash Rewards Mastercard, you can take advantage of Purchase Assurance & Extended Warranty.2 When you use your card to purchase eligible new items, this insurance protects against damage or theft for up to 90 days and doubles the original manufacturer's warranty up to one additional year.
You can view your Certificates of Insurance in your Benefits Guide as a PDF. They'll also be provided in your welcome package. If you have a question about your insurance, you can call your administrator at 1-866-305-0888.
To make a claim, or if you have any questions, contact Assurant® (the claims administrator) at 1-866-305-0888 within 48 hours of the incident.
Find the right rewards Mastercard for you.
The cash rebate will be awarded at a rate of 1.00% for every $1.00 in 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).
Coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). ABLAC and ABIC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. Assurant is a registered trademark of Assurant, Inc.
Travel Assistance Services are not insurance but services provided by American Bankers Insurance Company of Florida.
Enjoy up to 25% off car rental rates at Avis® and Budget® when you pay with your ATB Gold Cash Rewards Mastercard and quote AWD #C376000 at participating Avis locations or BCD #A369800 at participating Budget locations. To reserve with Avis, visit avis.com/atb or call 1-800-TRY-AVIS (879-2847). To reserve with Budget, visit budget.com/atb or call 1-800-268-8900. This offer is non-transferable and cannot be combined with any other offer. Offer is subject to Avis and Budget rules and conditions and may be limited or withdrawn at any time without advance notice.
®ATB, ATB Financial, MyPic and ATB Gold Cash Rewards are registered trademarks of ATB Financial.
®/TMMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated, used under license by ATB Financial.
Avis is a registered trademark licensed to AvisCar, Inc. for use in Canada.
Budget is a registered trademark licensed to Budgetcar Inc. for use in Canada.