Flexible, points based rewards tailored to suit your needs.
Earn unlimited rewards
3 points per $1 spent on eligible purchases1 on groceries, gas, digital streaming services and/or subscriptions, and entertainment.
1.5 points per $1 spent on any other purchases1.
Merchant list
Reap the rewards
Whether you want a dream vacation, top tier merchandise, or gift cards - sign up for ATB Personal Online Banking to redeem your rewards. Visit ATB My Rewards® to see all the rewards available to you.
Enjoy travellers’ perks3
Travel easy with flight delay and delayed luggage insurance. Your eligible mobile devices are protected for up to $1,500 in the event of loss, theft, accidental damage or mechanical breakdown.
Drive at a discount
Get up to 25% off car rentals at participating Avis® and Budget® locations when you pay with your ATB Gold My Rewards Mastercard.5
Protect your purchases3
Protect eligible purchases for up to 90 days against damage, theft or loss. Double the period of repair services provided by the manufacturer's warranty by up to 1 additional year.
Protect yourself while travelling3
Get up to 31 days of collision damage waiver coverage plus personal effects coverage when you charge the full cost of a rental vehicle to your card. Up to $300,000 of common carrier accident coverage.
Key product details
| Welcome Bonus | Upon approval, you'll receive 10,000 welcome bonus points ($50 value) when you use your new card for the first time2. |
| Unlimited Rewards | 3 points for every $1 spent on eligible purchases1 on groceries, gas, digital streaming services and/or subscriptions, and entertainment 1.5 points for every $1 spent on any other purchases1 List of participating merchants Rewards calculator |
| Annual fee | No annual fee |
| Interest rates | See current rates |
| Maximum cash advance | $1,000 |
| Additional cards | Free |
| MyPic® | Free |
Frequently Asked Questions
You're eligible to apply for an ATB Gold My Rewards Mastercard if you meet all the following criteria:
- You are a resident of Alberta
- You are at least 18 years old
- You have not declared personal bankruptcy in the past five years
- You intend to use the card for personal use 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 both applicants will be jointly responsible for the account.
Use your ATB Gold My Rewards Mastercard and quote AWD #C376000 (Avis) or BCD #A369800 (Budget), at participating 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.
- Car Rental Collision/ Damage Waiver insurance3: 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 and Dismemberment3: Insurance benefits of up to $300,000 if covered loss occurs while occupying a common carrier.
- Car Rental Accidental Death and Dismemberment3: Insurance benefits of up to $225,000 if covered loss occurs while occupying a rental car.
- Flight Delay Insurance3: If your flight is delayed by at least 4 hours, you, your spouse and your dependent children may be eligible for reimbursement of necessary and reasonable expenses incurred within 48 hours of the delay or denied booking to a limit of $250 per day and $500 per trip.
- Delayed Luggage Insurance3: If your checked luggage is delayed for more than 4 hours at your destination, you, your spouse and your dependent children may be eligible for reimbursement of up to $250 per day for up to 2 days to purchase essential items.
- Mobile Device Insurance3: Provides coverage of up to $1,500 for eligible mobile devices purchased on or after June 04, 2024, in the event of loss, theft, accidental damage, or mechanical breakdown.
- Purchase Assurance & Extended Warranty3: When you use your card to purchase eligible new items, this insurance protects against damage, loss or theft for up to 90 days and doubles the original manufacturer’s warranty up to one additional year.
You also have access to 24/7 assistance and advice for lost luggage or documents, ticket replacements and legal referrals when travelling outside Alberta4.
If you have a question about your insurance, you can call your administrator at 1-866-305-0888
Contact Assurant® (the claims administrator) at 1-866-305-0888 or file a claim online at cardbenefits.assurant.com within 48 hours of the incident
Make a practice of documenting as much information as you can, especially while traveling. If you've been in a car accident, make sure that you collect information on the other vehicle and other driver. File a police report when necessary.
You can manage your credit card account through ATB Personal online or mobile app for things like activating your card, locking and unlocking your card, and changing your pin. Learn more about card management features.
Ready to earn no fee unlimited rewards?
Enjoy the rewards flexibility that only the ATB Gold My Rewards Mastercard can offer.
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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.
Welcome bonus offer available on new ATB Gold My Rewards Mastercard accounts where the cardholder had no previous ATB Gold My Rewards Travel Mastercard. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.
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 trade 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 your card, and online at atb.com.
Travel Assistance Services are not insurance but services provided by American Bankers Insurance Company of Florida. Details of the services are in the Travel Assistance Services statement included with your Certificate of Insurance provided with your card.
Enjoy up to 25% off car rental rates at Avis® and Budget® when you pay with your ATB Gold My 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 My Rewards are registered trademarks of ATB Financial.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.
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.