Travel Rewards
Premium / High-End
Newcomer / New to Canada
ATB World Elite Mastercard
ATB Financial
Current Welcome Offer
40,000 points ($200 value) + First-year fee waived
Annual Fee
$120
$0
1st Year Free
Purchase APR
20.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$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 3.00%
Dining & Takeout 1.00%
Gas & Transit 3.00%
Travel 4.00%
Base Rate 1.00%
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).
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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: $320.00
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
Additional Perks
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Insurance Coverage
Included
Included
Included
Included
Included
Rates & Fees Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $120 |
| Supplementary Card | $35.00 |
| Foreign Tx Fee | 2.90% |
| Income Required |
Personal: $80,000 Household: $150,000 |