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Low interest rates that change with ATB’s prime rate.
Variable interest
Access a lower interest rate whenever the prime rate drops—as low as prime +5% for purchases and prime +6% for cash advances.
Low annual fee
The ATB Preferred Variable-Rate Mastercard has a low annual fee of $29. Even if your interest rate changes, you never pay more for your card.
Personalize your plastic
Add a little fun and pizazz to your wallet! Choose from over a hundred images to add to your ATB Preferred Variable-Rate Mastercard using MyPic®.
Drive at a discount
Get up to 25% off car rentals at participating Avis® and Budget® locations when you pay with your ATB Preferred Variable-Rate Mastercard.1
Frequently Asked Questions
You're eligible to apply for an ATB Preferred Variable-Rate Mastercard if you meet all the following criteria:
- are a resident of Alberta
- are at least 18 years old
- have not declared personal bankruptcy in the past five years
- intend to use the card for personal use only
Yes. You can apply for this card with a co-applicant and use it jointly. Both co-applicants must meet the eligibility requirements.
The interest rate on your ATB Preferred Variable-Rate Mastercard can be as low as ATB Prime +5% for purchases and ATB Prime + 6% for cash advances. The "Variable" part of the rate is the ATB Prime Rate.
For example: if Prime is 2%, it means:
Purchase interest rate will be: 2% + 5% = 7%
Cash advance interest rate will be: 2% + 6% = 8%
Fixed means the interest rate is locked in, so you can confidently manage your budget. Variable interest rates change with ATB's prime rate, giving you access to a lower interest rate whenever the prime rate drops.
Use your ATB Preferred Variable-Rate Mastercard and quote AWD #C376000 (Avis) or BCD #A369800 (Budget), at participating locations. To reserve with Avis, visit avis.com/atb or call 1-800-TRY-AVIS (879-2847). To reserve with Budget, visit budget.com/atb or call 1-800-268-8900.
You can manage your credit card account through ATB Personal online or mobile app for things like activating your card, locking and unlocking your card, and changing your pin. Learn more about card management features.
Ready to get started?
If you like the flexibility a variable interest rate card offers, then the ATB Variable-Rate Mastercard may be the credit card for you.
Find the right preferred Mastercard for you.
Pay at your pace
ATB Preferred Fixed-Rate Mastercard®
Pay back at your own pace. Enjoy a fixed 10.9% purchase interest rate and a low annual fee.
Float your rate
ATB Preferred Variable-Rate Mastercard®
Enjoy a credit limit of up to $50,000, low annual fee & interest that floats with ATB's prime rate.
Select one of the following options
Enjoy up to 25% off car rental rates at Avis® and Budget® when you pay with your ATB Preferred Variable-Rate Mastercard and quote AWD #C376000 at participating Avis locations or BCD #A369800 at participating Budget locations. To reserve with Avis, visit avis.com/atb or call 1-800-TRY-AVIS (879-2847). To reserve with Budget, visit budget.com/atb or call 1-800-268-8900. This offer is non-transferable and cannot be combined with any other offer. Offer is subject to Avis and Budget rules and conditions and may be limited or withdrawn at any time without advance notice.
®ATB, ATB Financial, MyPic and ATB Preferred are registered trademarks of ATB Financial.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.