Credit Cards

World Elite® Mastercard®

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For those who want the most from a card

The ATB World Elite Mastercard is our top-of-the-line credit card. That means maximum benefits, maximum rewards and maximum flexibility. Mastercard’s Benefits Optimizer makes it a snap to get the most out of your World Elite.

A full-flex, max-rewards, all-inclusive Mastercard.

Get the points

Earn 1.5% on all purchases all the time, and enjoy an annual April Loyalty Bonus of 2 points for every $1 spent (equivalent to 2% on purchases) in the month of April.

Use all you've earned

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

Travel comfortably

Enjoy travel perks including Mastercard Travel Rewards, Concierge services, Mastercard Priceless Cities®, Mastercard Airport Experiences by Loungekey, Boingo Wi-Fi and travel insurances and services.

Mastercard Travel Rewards

See the world and come back to cash rewards. Earn automatic cash back when you shop at participating merchants while travelling abroad.

Free Boingo Wi-Fi

Enjoy free, convenient Wi-Fi at over one million hotspots in 100 countries.Includes in-flight Wi-Fi through partner airlines like WestJet and hotspots in over 700 airports.

Digital everyday offers

Enjoy great digital offers every day, like $20 in vouchers when you sign up for Ritual. More offers are on the way.

Key product details

Reward points 1.5% on all purchases4 Explore the possibilities with our Rewards Calculator.
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
Balance protection Available

Frequently Asked Questions

You're eligible to apply for a 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.

To make a claim, contact Assurant® (the claims administrator) at 1-866-305-0888 within 48 hours of the incident.

Make a practice of documenting as much information as you can, especially while travelling. 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! You'll get membership in Mastercard Airport Experiences Provided by LoungeKey5, and two complimentary lounge visits each calendar year (January to December) for both the primary and secondary cardholders. You'll also be able to access concierge services both at home and while traveling. When you renew your card for another year, you'll receive your two passes.

The coverage available to you with your 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 Certificate of Insurance provided with your card, and online at If you have a question about your insurance, you can call your administrator at 1-866-305-0888.

Ready to get started?

You don't live a cookie-cutter life, so don't get a cookie-cutter credit card. Try the World Elite Mastercard instead.

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