Low Interest
ATB Preferred Variable-Rate Mastercard
ATB Financial
Annual Fee
$29
Purchase APR
9.45%
Cash Adv. APR
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 0.00%
Rewards Summary: No rewards; This card prioritizes a low variable interest rate that fluctuates with the ATB Prime Rate.
- All Purchases: No rewards points or cashback earned
Welcome Bonus Details
Features & Benefits
Low Purchase Interest
Variable rate at Prime + 5% (Currently 9.45%)
Additional Perks
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Insurance Coverage
Zero Liability
Protection against unauthorized purchases
Rates & Fees Details
| Purchase APR | 9.45% |
|---|---|
| Cash Advance APR | 10.45% |
| Annual Fee | $29 |
| Supplementary Card | $0.00 |
| Foreign Tx Fee | 2.90% |
| Income Required | No specific requirement listed. |