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ATB Gold Cash Rewards Mastercard

ATB Gold Cash Rewards Mastercard
ATB FinancialCash BackNo annual fee
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on ATB Financial's website

Annual Fee
$0
Welcome offer
No current welcome offer

Pros & Cons

Pros

  • No annual fee

Cons

  • Foreign Transaction Fee (2.9%)
  • No purchase protection

Our Review

The ATB Gold Cash Back Mastercard is a no annual fee card from ATB Financial that offers 2% cash back on groceries, dining, digital streaming and subscriptions, 1% on gas and purchases with your card saved at a merchant, and 0.5% on all other purchases. Accelerated rates apply to the first $200 in cash back per calendar year.

Rewards

All Spending

0.5x

Cash Back pts per dollar

Streaming

2x

Cash Back pts per dollar

Groceries

2x

Cash Back pts per dollar

Restaurants

2x

Cash Back pts per dollar

Gas

1x

Cash Back pts per dollar

Credit Card Rewards Calculator

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

Groceries2.00%
$700/month
Gas & EV1.00%
$200/month
Transit0.50%
$100/month
Restaurants2.00%
$300/month
Pharmacy0.50%
$50/month
Travel0.50%
$150/month
Bills & recurring payments0.50%
$250/month
Telecom0.50%
$150/month
Entertainment & streaming2.00%
$100/month
Office supplies0.50%
$0/month
Online advertising0.50%
$0/month
All other spending0.50%
$500/month

Cashback earned

$360

$/yr

Estimated Value

$360

After Fees

+$360

1st Year Value

$360

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 2.00%$168
Gas & EV$2,400/yr × 1.00%$24
Transit$1,200/yr × 0.50%$6
Restaurants$3,600/yr × 2.00%$72
Pharmacy$600/yr × 0.50%$3
Travel$1,800/yr × 0.50%$9
Bills & recurring payments$3,000/yr × 0.50%$15
Telecom$1,800/yr × 0.50%$9
Entertainment & streaming$1,200/yr × 2.00%$24
All other spending$6,000/yr × 0.50%$30
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1.20%
Total cashback earned$360

Fees and interest rates

  • Annual Fee
    $0
  • Foreign currency conversion fee
    2.9%
  • Purchase Rate20.99%
    Quebec20.99%
  • Cash advance rate22.99%
    Quebec22.99%

Terms & Conditions

Card Features

  • No annual fee
  • 2% cash back on groceries, dining, digital streaming and subscriptions, 1% on gas and purchases with your card saved at a merchant, 0.5% on all other purchases (accelerated rates apply to the first $200 in cash back per calendar year)
  • Cash back paid annually as a statement credit
  • Available to Alberta residents

Legal

*Conditions apply. Information sheet.

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.