Rates
Mastercard® Rates
ATB Personal Mastercard® rates as of October 05, 2021, unless otherwise noted
| Card | Purchases | Default rate | Cash advances | Default rate | Annual fees |
|---|---|---|---|---|---|
| ATB World Elite Mastercard® (Effective as of June 04, 2024) |
20.99% | 25.99% | 22.99% | 27.99% | $120/year Supplementary Cards: $35 |
| ATB Gold Cash Rewards Mastercard® | 19.99% | 24.90% | 22.99% | 26.90% | No fee |
| ATB Gold My Rewards Mastercard® | 19.99% | 24.90% | 22.99% | 26.90% | No fee |
| ATB US Dollar Mastercard® | 19.99% | 24.90% | 22.99% | 26.90% | $19 USD (no fee for extra cards) |
| ATB Alberta Mastercard® | 19.99% | 24.90% | 22.99% | 26.90% | No fee |
| ATB Preferred Fixed-Rate Mastercard® | 10.90% | 20.99% | 10.90% | 20.99% | $29/year (no fee for extra cards) |
| ATB Preferred Variable-Rate Mastercard® | Between ATB Prime + 5% and ATB Prime + 7% | Standard rate + 4% | Between ATB Prime + 6% and ATB Prime + 8% | Standard rate + 4% | $29/year (no fee for extra cards) |
| ATB Alberta Mastercard® - Secured | 19.99% | 24.90% | 22.99% | 26.90% | $49/year ($25 for extra cards) |
Miscellaneous fees
There are extra fees for some uses of your Card Account. You will be charged the following fee per transaction /request on the date it occurs (unless we say otherwise below).
If you have a US Dollar Mastercard, all amounts listed below are in US dollars.
| Item | Fee |
|---|---|
| Foreign currency conversion | 2.9% |
| Cash advance - ABM in Canada | $5.00 |
| Cash advance - ABM outside Canada | $5.00 |
| Cash advance - Non-ABM in Canada | $5.00 |
| Cash advance - Non-ABM outside Canada | $7.50 |
| Promotional balance transfer/cheque fee | Up to 3% |
| Foreign Currency Cheque | $7.50 |
| Sales slip copy | $5.00 |
| Statement reprint | $10.00 |
| Cheque copy | $10.00 |
| Over the limit | $25.00 |
| NSF | $40.00 |
| Rush replacement card | $29.00 |
| MyPic | $15.00 for each card image change. Not available on ATB World Elite Mastercard. |
| Credit balance inactivity | $25.00 or full credit balance, whichever is less |
ATB Business Mastercard® rates as of December 01, 2022
| Card | Purchases | Default rate | Cash advances | Default rate | Annual fees |
|---|---|---|---|---|---|
| ATB MyBusiness Rewards Mastercard® | 19.90% | 24.90% | 22.90% | 27.90% | No fee |
| Alberta Rewards Businesscard® | 19.90% | 22.90% | 19.90% | 22.90% | $120/year |
| Alberta Agri-Industry Businesscard® | - | NA | - | NA | $65 or $130/year |
| Alberta Businesscard® | - | NA | - | NA | $65 or $130/year |
Miscellaneous fees
There are extra fees for some uses of your Card Account. You will be charged the following fee per transaction/request on the date it occurs (unless we say otherwise below).
| Item | Fee |
|---|---|
| Cash advance - ABM in Canada | $2.50 |
| Cash advance - ABM outside Canada | $5.00 |
| Cash advance - Over the counter in Canada | $5.00 |
| Cash advance - Over the counter outside Canada | $7.50 |
| Promotional balance transfer/cheque fee | Up to 3% |
| Foreign currency conversion | 2.9% |
| Foreign currency ATB Mastercard cheque | $7.50 |
| Sales slip copy | $5.00 |
| Statement copy | $10.00 |
| Cheque copy | $10.00 |
| Over Limit Fee | $30.00 |
| NSF | $40.00 |
| Rush replacement card | $29.00 |
| Credit Bureau Search | $15.00 |