Secured Cards
ATB Alberta Mastercard - Secured
ATB Financial
Annual Fee
$49
Purchase APR
19.99%
Cash Adv. APR
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 0.00%
Rewards Summary: No rewards; This is a secured card designed primarily to help users establish or rebuild their credit rating.
- All Purchases: No rewards points or cashback earned
Welcome Bonus Details
Features & Benefits
Bad Credit & Rebuilding
Establish or rebuild your credit rating
Additional Perks
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Insurance Coverage
Zero Liability
Protection against unauthorized purchases
Rates & Fees Details
| Purchase APR | 19.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $49 |
| Supplementary Card | $25.00 |
| Foreign Tx Fee | 2.90% |
| Income Required | No specific requirement listed. |