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Best ATB Credit Cards in Canada for November 2025
Published Nov 22, 2025 3:01 PM • 4 min read
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Credit Card ExpertFor plenty of reward potential on everyday purchases, residents of Alberta can apply for one of three ATB credit cards. Choose between points or cashback, plus affordable no-fee and paid premium options.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
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FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
ATB World Elite Mastercard®: Best Overall
ATB Gold My Rewards Mastercard®: Best Points Card
ATB Gold Cash Rewards Mastercard®: Best Flat Rate Alternative
Best ATB Credit Cards in Canada
Our choice for: Best Overall
APPLY NOW
on ATB's website
Welcome Bonus
40,000 points
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%
The ATB World Elite Mastercard offers impressive rewards and insurance coverage, making it ideal for high-income Alberta residents seeking premium travel perks. However, the low point value and high income requirements might limit its appeal for some users.
Pros
- High rewards: Earn up to 8 points per $1 spent on travel, 6 points on groceries, gas, digital streaming, and entertainment, and 2 points on all other purchases.
- Extensive insurance coverage: Comes with 15 types of insurance, providing broad protection.
- Airport lounge access: Includes 2 free passes to Mastercard Travel Pass lounges.
- First-year annual fee waived: Save $120 in the first year.
Cons
- Low point value: Points are only worth 0.5 cents each, reducing overall rewards value.
- Limited to Alberta residents: Only available to those living in Alberta.
- High income requirement: Requires $80,000 personal income or $150,000 household income.
Rewards
- 8 points for every $1 spent on eligible purchases on select travel merchants, including: airlines, hotels, motels and car rental companies
- 6 points for every $1 spent on eligible purchases on groceries, gas, digital streaming services and/or subscriptions, and entertainment
- 2 points for every $1 spent on any other purchases
The accelerated earn rate applies to the first $50,000 in annual purchases on the account, at merchants qualifying for the accelerated earn rate, per calendar year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 2 points per $1 spent in purchases.
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Car Rental Accident
$225,000.svg)
Car Rental Damage & Theft
yes.svg)
Car Rental Personal Effects
$1,000
Travel Medical Insurance
22 days
Common Carrier Travel Accident Insurance
$300,000
Flight Delay
$500Baggage Delay
$500
Trip Cancellation
$1,000
Trip Interruption
$1,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$1,000Personal Effects
$1,000
Price Protection
$100 per item, $500 per account annually
Benefits
Details
Airport Lounge - Dragon Pass
4 complimentary lounge visits each year for each primary cardholder
Car Rental Discount
25% off base rate of participating Avis and Budget locations
Boingo Wi-Fi hotspot
over 1 million wifi hotspots worldwide
Eligibility
Credit Score
Very GoodAnnual Income
$80,000 personal or $150,000 household
The ATB Gold My Rewards Travel Mastercard offers solid rewards and insurance without an annual fee, making it a good option for Alberta residents. However, the relatively low points value and regional availability limit its appeal for those outside Alberta or looking for higher-value rewards.
Pros
- No annual fee: Enjoy travel rewards without any annual cost.
- Up to 3 points per $1: Earn 3 points per $1 spent on groceries, gas, digital streaming services, subscriptions, and entertainment.
- 8 types of insurance: Strong insurance coverage for a no-fee card, including travel accident and baggage delay.
- Customizable card design: Choose from 80 different card designs for a personalized look.
Cons
- Points value: Each point is only worth 0.5 cents when redeemed for travel, limiting the overall value of rewards.
- Alberta-only: This card is only available to residents of Alberta, restricting its availability.
Rewards
- 3 points per $1 spent on eligible groceries, gas, digital streaming services and/or subscriptions, and entertainment purchases.
- 1.5 points per $1 spent on all other eligible purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearCar Rental Accident
$225,000Car Rental Damage & Theft
yesCar Rental Personal Effects
$1,000Common Carrier Travel Accident Insurance
$300,000Flight Delay
$500Baggage Delay
$500
Benefits
Details
Car Rental Discount
25% off base rate of participating Avis and Budget locations
Eligibility
Credit Score
Very GoodAnnual Income
N/A
The ATB Gold Cash Rewards Mastercard is an excellent choice for Alberta residents looking for a no-annual-fee card that offers straightforward 1% cash back on all purchases. With a few types of insurance and a customizable card design, it’s a solid card for everyday spending, though the annual rewards payout may not be ideal for those wanting more frequent access to their cash back.
Pros
- No annual fee: Offers 1% cash back without any annual fee, making it cost-effective.
- 1% cash back on all purchases: Consistent rewards on every purchase, with no special categories to track.
- Insurance coverage: Includes 6 types of insurance, such as rental car theft and damage coverage.
- Custom card designs: Choose from 80 different card designs for a personalized look.
Cons
- Alberta residents only: This card is only available to those living in Alberta.
- Rewards deposited annually: Cash back is deposited once a year, limiting access to rewards throughout the year.
Rewards
- 1% cash back on all eligible purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearCar Rental Accident
$225,000Car Rental Damage & Theft
yesCar Rental Personal Effects
$1,000Common Carrier Travel Accident Insurance
$300,000
Benefits
Details
Car Rental Discount
25% off base rate of participating Avis and Budget locations
Eligibility
Credit Score
Very GoodAnnual Income
N/A
From our editors: The Best ATB Credit Cards in Canada
Best Overall: ATB World Elite Mastercard
The ATB World Elite Mastercard offers strong ATB Reward points per dollar spent on travel purchases made through select merchants, plus points per dollar spent on common expenses like groceries, gas, digital streaming services, subscriptions, and entertainment. The impressive rewards program is paired with comprehensive coverage, including trip interruption, trip cancellation, car rental, and price protection insurance. For benefits, expect car rental discounts, access to the Boingo Wi-Fi hotspot, and most importantly, complementary access to Dragon Pass airport lounges.
To qualify for this card, you'll need to meet some high annual income requirements. While the annual fee is also considered high by comparison, but it's waived for the first year of membership. Read more in our ATB World Elite Mastercard Review.
Best Points Option: ATB Gold My Rewards Mastercard
The ATB Gold My Rewards Mastercard earns cardholders solid points per dollar spent on groceries, gas, digital streaming, subscriptions, and entertainment. There are fewer coverage categories and benefits, but members still receive protections like flight and baggage delay and car rental discounts. Thankfully, there are no annual fees or income requirements associated with this card. Discover more in our ATB Gold My Rewards Mastercard Review.
Best Flat-Rate Alternative: ATB Gold Cash Rewards Mastercard
The no-fee ATB Gold Cash Rewards Mastercard offers a flat rate of cashback on all eligible purchases, simplifying the reward earning structure. For coverage, expect car rental insurance, travel accident insurance, extended warranty insurance, and purchase protection insurance. The only benefit featured on this card is car rental discounts at Avis and Budget locations. Get the full scoop in our ATB Gold Cash Rewards Mastercard Review.
Pros and Cons of ATB Credit Cards
Here's a quick look at the benefits and drawbacks of ATB credit cards:
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How to Apply for ATB Credit Cards
To apply for an ATB credit card, you'll need to be a resident of Alberta. If you live in Alberta, hit the "Apply Now" button below any of the featured cards above. Afterwards, you'll be redirect to ATB's official website to start the application process. Credit card applications typically ask for personal information (like your birthdate, email, and address) and financial information (such as your income, when applicable).
Frequently Asked Questions
The ATB World Elite Mastercard is best for frequent travellers. This card offers ATB Reward points on travel purchases, extensive travel insurance, and exclusive travel perks like Dragon Pass lounge access. Just note that this contender comes with high annual income requirements and a high annual fee.
Both the ATB Gold My Rewards Card and the ATB Gold Cash Rewards Mastercard avoid annual income requirements, they also forgo any annual fees. The ATB Gold My Rewards Card is best for those who prefer points and the ATB Gold Cash Rewards Mastercard is intended for cashback enthusiasts.
No. ATB credit cards are only available to residents of Alberta.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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Abid Salahi
Credit Card Expert
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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