Low Interest
ATB Preferred Fixed-Rate Mastercard
ATB Financial
Annual Fee
$29
Purchase APR
10.90%
Cash Adv. APR
10.90%
RateBuddy Verdict
The Good
- The fixed 10.9% interest rate protects you from fluctuating Bank of Canada prime rates.
- The low $29 annual fee is easily offset by the interest you save if you regularly carry a balance.
- Allows you to add supplementary cards for family members at absolutely no extra cost.
The Trade-offs
- Does not offer any cash back or rewards points on your spending.
- Lacks standard shopping protections like extended warranty and purchase security.
Rewards & Earnings
Base Rate 0.00%
Rewards Summary: No rewards; This is a low-interest credit card designed to help minimize interest costs with a predictable fixed rate.
- All Purchases: No rewards points or cashback earned
Welcome Bonus Details
Features & Benefits
Low Purchase Interest
Fixed 10.90% rate on purchases and cash advances
Additional Perks
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Insurance Coverage
Zero Liability
Protection against unauthorized purchases
Rates & Fees Details
| Purchase APR | 10.90% |
|---|---|
| Cash Advance APR | 10.90% |
| Balance Transfer APR | 10.90% |
| Annual Fee | $29 |
| Supplementary Card | $0.00 |
| Foreign Tx Fee | 2.90% |
| Income Required | No specific requirement listed. |