Travel Rewards
Business
Rewards
Alberta Rewards Businesscard
ATB Financial
Annual Fee
$120
Purchase APR
19.90%
Cash Adv. APR
19.90%
RateBuddy Verdict
The Good
- The flat 1.5x earning rate across all purchases is incredibly efficient for businesses with diverse spending habits.
- Includes a top-tier suite of travel insurances (like emergency medical and trip cancellation) rarely seen on standard business cards.
- Offers a low 3% minimum monthly payment, giving small businesses flexibility with their cash flow.
The Trade-offs
- The $120 annual fee and $49 supplementary card fees can add up quickly for larger teams.
- Does not feature accelerated reward categories (like gas or office supplies) to maximize points on specific high-spend areas.
Rewards & Earnings
Groceries 1.50%
Dining & Takeout 1.50%
Gas & Transit 1.50%
Travel 1.50%
Base Rate 1.50%
Rewards Summary: Earn a flat 1.5 rewards points for every $1 spent on all eligible business purchases with no limits, tiers, or expiry dates.
- All Eligible Business Purchases: 1.5 points per $1
Welcome Bonus Details
Features & Benefits
Travel Medical Insurance
Travel Emergency Medical included
Car Rental Collision/Loss Damage Waiver
Car Rental CDW & AD&D included
Trip Cancellation/Interruption Insurance
Trip Interruption & Cancellation included
Extended Warranty Insurance
Extended Warranty included
Purchase Security Insurance
Purchase Assurance included
Flight Delay Insurance
Flight Delay insurance included
Baggage Delay/Loss Insurance
Delayed Luggage insurance included
Hotel/Motel Burglary Insurance
Hotel/Motel Burglary included
Higher Earning on Business Categories
Flat 1.5x points on all business spend
Additional Perks
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Insurance Coverage
Travel Emergency Medical
Included (See certificate for limits)
Trip Interruption & Cancellation
Included
Flight Delay & Delayed Luggage
Included
Car Rental CDW & AD&D
Collision Damage Waiver and Accidental Death & Dismemberment included
Common Carrier AD&D
Included
Hotel/Motel Burglary
Included
Purchase Assurance & Extended Warranty
Included
Rates & Fees Details
| Purchase APR | 19.90% |
|---|---|
| Cash Advance APR | 19.90% |
| Annual Fee | $120 |
| Supplementary Card | $49.00 |
| Foreign Tx Fee | 2.90% |
| Income Required | No specific requirement listed. |