Low Interest
ATB Preferred Variable-Rate Mastercard
ATB Financial
Secure RateBuddy connection · Application completed on ATB Financial’s site
Annual Fee
$29
Purchase APR
9.45%
Cash Advance
10.45%
RateBuddy Verdict
The Good
- The variable rate model allows you to benefit from interest savings automatically whenever the ATB Prime Rate drops.
- Free MyPic customization is a nice lifestyle perk for a card focused on utility and low costs.
- Includes Avis and Budget rental discounts, which adds value for users who travel within the province.
The Trade-offs
- Does not offer any form of rewards points, cashback, or travel-specific insurance.
- Interest rates can increase if the Prime Rate rises, making monthly costs less predictable than the fixed-rate version.
Rewards & Earnings
Base Rate
0%
Rewards Summary:
No rewards; This card prioritizes a low variable interest rate that fluctuates with the ATB Prime Rate.
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
Low Purchase Interest
Variable rate at Prime + 5% (Currently 9.45%)
Insurance Coverage
Standard Mastercard Zero Liability protection against unauthorized transactions.
Rates, Fees & Eligibility
| Purchase APR | 9.45% |
|---|---|
| Cash Advance APR | 10.45% |
| Annual Fee | $29 |
| Supplementary Card Fee | $0 |
| Foreign Transaction Fee | 2.90% |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Low Interest
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