ATB World Elite Mastercard
Travel Rewards Premium / High-End Newcomer / New to Canada

ATB World Elite Mastercard

ATB Financial ATB Financial
Welcome Bonus: 40,000 points ($200 value) + First-year fee waived
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Annual Fee $0
$120 after first year
Purchase APR 20.99%
Cash Advance 22.99%
Bonus Value $320

RateBuddy Verdict

The Good
  • Offers a fantastic 4% return on travel purchases and 3% on groceries and gas.
  • Includes 4 complimentary airport lounge visits per year, which offsets the annual fee for frequent flyers.
  • The 40,000-point welcome bonus is exceptionally easy to earn, requiring only a single purchase.
The Trade-offs
  • Unlike many competitors, dining and restaurants do not earn bonus points and default to the 1% base rate.
  • The $50,000 spending cap on accelerated categories is shared across all bonus tiers.

Rewards & Earnings

Groceries 3%
Dining 1%
Gas 3%
Travel 4%
Recurring Bills 3%
Base Rate 1%
Rewards Summary: 8 points per $1 on Travel; 6 points per $1 on Groceries, Gas, Streaming, and Entertainment; 2 points per $1 on all other purchases. (Accelerated categories capped at $50,000 annual spend).

Welcome Bonus Details

The first year annual fee is waived ($120 value). Receive 40,000 welcome bonus points ($200 value) after making your first purchase within 60 days.

Estimated Value: $320

Features & Benefits

Airport Lounge Access
4 complimentary DragonPass lounge visits/year
First-Year Fee Waived
First-year annual fee waived
Mobile Device Insurance
Mobile Device Insurance Included
Purchase Security Insurance
Purchase Protection Included
Annual fee rebate with selected account
Fee waived with ATB Advantage Account

Insurance Coverage

Travel insurance coverages, Mobile Device protection, Event Ticket protection, Purchase Protection, and Price Protection Service.

Rates, Fees & Eligibility

Purchase APR20.99%
Cash Advance APR22.99%
Annual Fee$120
Supplementary Card Fee$35
Foreign Transaction Fee2.90%
Grace Period21 days
Income Required Personal: $80,000
Household: $150,000
Recommended Credit Score—

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Filed Under

Travel Rewards Premium / High-End Newcomer / New to Canada Rewards
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