Rates

Mastercard® Rates

ATB Personal Mastercard® rates as of October 05, 2021

Card Purchases Default rate Cash advances Default rate Annual fees
ATB Gold Cash Rewards Mastercard® 19.99% 24.90% 22.99% 26.90% No fee
ATB Gold My Rewards Travel 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
Credit balance inactivity $25.00 or full credit balance, whichever is less

ATB World Elite Mastercard® rates as of November 23, 2016

Card Purchases Default rate Cash advances Default rate Annual fees
ATB World Elite Mastercard® 19.90% 24.90% 21.90% 26.90% $120/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).

Item Fee
Foreign currency conversion 2.9%
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 2%
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
Credit balance inactivity $25.00 or full credit balance, whichever is less

ATB Business Mastercard® rates as of February 06, 2016

Card Purchases Default rate Cash advances Default rate Annual fees
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
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

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