
3.1
/5
ATB
ATB World Elite Mastercard®Points Calculator
40,000 points
Our Take
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.
Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fees
Main Card: $120
$0
$0 first year
Additional Cards: $35
Welcome Bonus
The first year annual fee is waived ($120 value) plus you'll receive a 40,000 welcome bonus points ($200 value) when you make your first purchase. Offer available on new ATB World Elite Mastercard accounts where the cardholder had no previous ATB World Elite Mastercard.
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
Card Type
Credit
Our Rating
3.1/5
Institution
ATB
How You Earn 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.
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
Extended Warranty
Car Rental Accident
Car Rental Damage & Theft
Car Rental Personal Effects
Travel Medical Insurance (64 & under)
Common Carrier Travel Accident Insurance
Flight Delay
Baggage Delay
Trip Cancellation
Trip Interruption
Lost or Stolen Baggage
Hotel Burglary Insurance
Personal Effects
Price Protection
Benefits
Details
Airport Lounge - Dragon Pass
Car Rental Discount
Boingo Wi-Fi hotspot
Pros & Cons
Pros
- High rewards
- Extensive Coverage
- Airport lounge access
- first-year fee rebate
Cons
- Low point value
- Alberta residents only
- High income requirement
