Travel Rewards
Premium / High-End
Newcomer / New to Canada
ATB World Elite Mastercard
ATB Financial
Welcome Bonus:
40,000 points ($200 value) + First-year fee waived
Secure RateBuddy connection · Application completed on ATB Financial’s site
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 APR | 20.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $120 |
| Supplementary Card Fee | $35 |
| Foreign Transaction Fee | 2.90% |
| Grace Period | 21 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
Secure RateBuddy connection