Credit Cards

ATB World Elite Mastercard®

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For those who want the most from a card

With accelerated rewards earnings on essential everyday items, you can indulge more in the finer things, including luxury travel-related purchases and other prestigious benefits this card gives you.

Our unparalleled premium lifestyle Mastercard.

Unlimited rewards on all purchases

Earn 1.5 points for every dollar spent1. Starting June 4, 2024, you’ll earn even more rewards1.

Use all you've earned

Never get stuck with points you can’t use. You can redeem all your points at ATB My Rewards®for cash, merchandise, charitable donations and more.

Mastercard Travel Pass provided by DragonPass

Download the Mastercard Travel Pass app and present your membership to enjoy access to any of 1,300+ airport lounges, plus valuable dining and spa offers available in select airports2. Starting June 4, 2024 get even more lounge passes*.

ATB World Elite Mastercard Premium Benefits

The ATB World Elite Mastercard is packed with premium benefits and exclusive offers, which are frequently updated.

Free Boingo Wi-Fi

Boingo Wi-Fi for ATB World Elite Mastercard Cardholders, provides access to hotspots worldwide – no added cost, fees or roaming charges3. Activate your Boingo account at

Travel with complete peace of mind

Your ATB World Elite Mastercard insurances4 and services4 covers you, your spouse and dependent children. Starting June 4, 2024, you’ll get even more additional coverage*.

Key product details

Welcome Bonus Upon approval, we will waive the first year annual fee ($120 value) and you'll receive 15,000 welcome bonus points ($150 value) when you use your new card for the first time5.
Reward points Earn 1.5 points for every dollar spent1
More ways to earn coming June 04, 2024. Details here.
Explore the possibilities with our Rewards Calculator.
Complimentary lounge access Two complimentary lounge visits each year for each primary cardholder. Lounge passes automatically reset each January. Even more lounge passes coming June 4, 2024. Details here.
Annual fee $0 first year, $120 subsequent years
Fee waived if You have an ATB Advantage Account
Interest rates See current rates
Minimum credit limit $5000
Additional cards $25 annual fee until June 3, 2024
$35 annual fee effective June 4, 2024
Balance protection Available

Frequently Asked Questions

You're eligible to apply for an ATB World Elite Mastercard if you can confirm one of the following:

  • that you have an annual personal income of $80,000 or more
  • that you live in a household with a family income of $150,000 or more
  • that you have $400,000 or more in assets under wealth management

In addition, you must meet all of the following criteria:

  • you are an Alberta resident
  • you are at least 18 years old
  • you have not declared personal bankruptcy in the past five years
  • you intend to use the card for personal banking only

  • Purchase Assurance
  • Extended Warranty
  • Car Rental Collision Damage Waiver Insurance
  • Car Rental Accidental Death & Dismemberment Insurance
  • Personal Effects
  • Flight Delay Insurance
  • Delayed Luggage Insurance
  • Common Carrier Accidental Death and Dismemberment Insurance
  • Lost Luggage Insurance
  • Trip Interruption Insurance
  • Trip Cancellation Insurance
  • Hotel/Motel Burglary Insurance
  • Travel Emergency Medical Insurance
  • Price Protection Service
  • Travel Assistance Services

You can find the relevant details in the World Elite Mastercard Cardholder Agreement, Rewards Terms & Conditions, and Coverages.

Coming June 4, 2024 (see details here):

  • Mobile Device Insurance Coverage
  • Event Ticket Protection insurance

Contact Assurant® (the claims administrator) at 1-866-305-0888 or file a claim online at within 48 hours of the incident

Make a practice of documenting as much information as you can, especially while traveling. If you've been in a car accident, make sure that you collect information on the other vehicle and other driver. File a police report when necessary.

There are! In addition to free membership in Mastercard Travel Pass provided by DragonPass2, each Primary Cardholder automatically receives two complimentary annual lounge visits until June 3, 2024; effective June 4, 2024, it will be 4 complimentary annual lounge visits. If your account includes a co-applicant (joint cardholder), both you and your joint cardholder receive your own set of visits. That means you could enjoy a combined total of four visits until June 3, 2024; effective June 4, 2024 - there will be a combined total of eight visits.

Your complimentary passes reset every January, unused visits cannot be carried into the next calendar year. Your Mastercard account will be automatically loaded with your two passes each January.

The insurance coverage available to you with your ATB World Elite Mastercard is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). Price Protection Service and Travel Assistance Services are services provided by American Bankers Insurance Company of Florida.

Details of the coverage, including definitions, benefits, limitations, and exclusions, are in the World Elite Cardholder Agreement, Rewards, Terms & Conditions, and Coverages. If you have a question about your insurance, you can call your administrator at 1-866-305-0888.

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