Cash for everyday purchases, rewards for everyday life.
Support your habits
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 1% cash on your purchases. It's that simple.
Reap the benefits
Get 1% cash back on every dollar you spend, applied to your statement every January. It's unlimited and automatic.
Drive at a discount
Get up to 25% off car rentals at participating Avis® and Budget® locations, when you pay with your Gold Cash Rewards® Mastercard.
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.1
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.1
Frequently Asked Questions
You are eligible to apply for a 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 insurance1: 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 & Dismemberment1: Insurance benefits of up to $300,000 if covered loss occurs while occupying a common carrier.
- Car Rental Accidental Death & Dismemberment1: 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.4
With the Gold Cash Rewards Mastercard, you can take advantage of Purchase Assurance & Extended Warranty.1 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 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.
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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. Details of the coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with the card, and online at atb.com.
Gambling, balance transfers, cash advances, and Mastercard cheques are not eligible to earn reward points.
Travel Assistance Services are not insurance but services provided by American Bankers Insurance Company of Florida. Coverage details are in the Travel Assistance Services statement.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
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.
ATB Gold Cash Rewards is a registered trademark of ATB Financial.
MyPic is a registered trademark of ATB Financial.