Secured Cards
ATB Alberta Mastercard - Secured
ATB Financial
Secure RateBuddy connection · Application completed on ATB Financial’s site
Annual Fee
$49
Purchase APR
19.99%
Cash Advance
22.99%
RateBuddy Verdict
The Good
- An effective tool for those needing a fresh start to build or repair their credit score with a major bank.
- Includes free MyPic customization, allowing you to personalize your card even in a secured format.
- Offers the same car rental discounts at Avis and Budget as ATB’s non-secured cards.
The Trade-offs
- Requires upfront security collateral, which may be a barrier for those with limited liquid cash.
- Charges an annual fee and a high supplementary card fee compared to other basic ATB products.
Rewards & Earnings
Base Rate
0%
Rewards Summary:
No rewards; This is a secured card designed primarily to help users establish or rebuild their credit rating.
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
Bad Credit & Rebuilding
Establish or rebuild your credit rating
Insurance Coverage
Standard Mastercard Zero Liability protection against unauthorized transactions.
Rates, Fees & Eligibility
| Purchase APR | 19.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $49 |
| Supplementary Card Fee | $25 |
| Foreign Transaction Fee | 2.90% |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
Cardholder Reviews
A detailed view of approved RateBuddy community feedback for this card.
Be the first to share a cardholder perspective.
Approved reviews build this card’s score and detailed ratings breakdown.
No approved reviews yet
No public user reviews yet. Share your experience to help others compare this card.
Reviews are moderated before publication. RateBuddy does not publish reviewer email addresses or sensitive financial information.
Filed Under
Secured Cards
Secure RateBuddy connection