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ATB Gold Cash Rewards Mastercard

ATB FinancialCash Back
Apply Now

on ATB Financial's website

Annual Fee
$0
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
$300

Pros & Cons

Pros

  • +No annual fee

Cons

  • –Foreign Transaction Fee (2.5%)
  • –No purchase protection

Our Review

The ATB Gold Cash Back Mastercard is an no annual fee card from ATB Financial that offers 1% cash back on all purchases, with no categories to track.

Rewards

All Spending

1x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries1.00%
$700/month
Gas & EV1.00%
$200/month
Transit1.00%
$100/month
Restaurants1.00%
$300/month
Pharmacy1.00%
$50/month
Travel1.00%
$150/month
Bills & recurring payments1.00%
$250/month
Telecom1.00%
$150/month
Entertainment & streaming1.00%
$100/month
Office supplies1.00%
$0/month
All other spending1.00%
$500/month

Cashback earned

$300

$/yr

Estimated Value

$300

After Fees

+$300

1st Year Value

$300

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 1.00%$84
Gas & EV$2,400/yr × 1.00%$24
Transit$1,200/yr × 1.00%$12
Restaurants$3,600/yr × 1.00%$36
Pharmacy$600/yr × 1.00%$6
Travel$1,800/yr × 1.00%$18
Bills & recurring payments$3,000/yr × 1.00%$30
Telecom$1,800/yr × 1.00%$18
Entertainment & streaming$1,200/yr × 1.00%$12
All other spending$6,000/yr × 1.00%$60
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1.00%
Total cashback earned$300

Interest Rates

  • Purchase Rate
    20.99%
  • Purchase rate (Quebec)
    20.99%
  • Cash Advance
    22.99%
  • Cash advance rate (Quebec)
    22.99%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

  • No annual fee
  • 1% cash back on all purchases
  • Cash back paid annually as a statement credit
  • Available to Alberta residents

Legal

*Conditions apply. Information sheet.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 ATB Financial. All trademarks are property of their respective owners.