Best ATB Financial Credit Cards In Canada For November 2025
A large bank in Alberta, ATB is actually a crown corporation owned by the government of Alberta. As such, their products are only available to residents of Alberta.
ATB offers a full range of banking products for both individuals and businesses, and credit cards are part of their diverse range of financial offerings. Their top cards include the ATB World Elite Mastercard, ATB Gold Cash Rewards Mastercard, and ATB Alberta Secured Mastercard.
Key Takeaways
- A crown corporation, ATB is a bank that is owned by the government of Alberta.
- ATB offers a full range of banking products, including credit cards.
- ATB products are only accessible to residents of Alberta.
The best ATB credit cards and the competition
ATB offers 9 different credit cards ranging from basic no fee cards to rewards cards to secured cards that help build credit.
We’re breaking down three of their best cards, plus alternatives for those who don’t live in Alberta (or even those who do!).
| Category | ATB credit card | Top alternative |
|---|---|---|
| Best travel | ATB World Elite Mastercard | Scotiabank Passport Visa Infinite Card |
| Best cash back | ATB Gold Cash Rewards Mastercard | Scotia Momentum Visa Infinite Card |
| Best secured | ATB Alberta Secured Mastercard | RBC ION Visa |
ATB World Elite Mastercard vs. a well-rounded travel credit card
ATB offers one premium credit card: the ATB World Elite Mastercard. It delivers a nice blend of rewards, insurance, and travel perks.
The Scotiabank Passport Visa Infinite Card is a similar card that offers a few more benefits. Here's how they compare.
| ATB World Elite Mastercard | Scotiabank Passport Visa Infinite Card | |
|---|---|---|
| Welcome bonus | 40,000 bonus points (terms) |  $150 GeniusCash + 35,000 bonus points (terms) |
| Earn rates | * 8 points per $1 spent on travel * 6 points per $1 spent on groceries, gas, digital streaming services, subscriptions, and entertainment * 2 points per $1 spent on all other purchases | * 3 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more * 2 Scene+ points per $1 spent on groceries, restaurants, entertainment, and daily transit * 1 Scene+ point per $1 on all other purchases |
| Average return on purchases | 1.35% | 1.35% |
| Special features | * Mastercard Travel Pass with 4 free passes | * Visa Airport Companion membership with 6 free passes * No foreign exchange fees |
| Insurance coverage | 15 types | 11 types |
| Annual fee | $120 | $150 |
| Income requirements | * $80,000 personal * $150,000 household | * $60,000 personal * $100,000 household |
These cards offer a similar level of rewards overall, and they both have numerous redemption offers that provide good value.
When it comes to insurance, the ATB World Elite Mastercard does have a bit of an advantage here – but the Scotiabank Passport Visa Infinite Card has the edge with benefits. It includes 2 more airport lounge passes and charges no foreign exchange fees, saving you 2.5% on every purchase that isn't made in Canadian dollars.
GC: $150
ATB Gold Cash Rewards Mastercard vs. a top no fee cash back card
The ATB Gold Cash Rewards Mastercard is the only cash back credit card offered by ATB, offering a flat rate on everything for no annual fee.
Here's how it compares to another top cash back card with no annual fee: the Rogers Red Mastercard.
| ATB Gold Cash Rewards Mastercard | Rogers Red Mastercard | |
|---|---|---|
| Welcome bonus | None | None |
| Earn rates | * 1% cash back on all purchases | * Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Comwave, or Shaw * Earn 1% unlimited cash back on eligible non-U.S. dollar purchases * Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars |
| Average return on purchases | 1% | 1% |
| Special features | * None | * 2% cash back if you have a Rogers service * 50% bonus cash back when rewards are redeemed towards Rogers services |
| Insurance coverage | 6 | 0 |
| Annual fee | $0 | $0 |
| Income requirements | * None | * None |
Overall the Rogers Red Mastercard is a better card. You'll earn 1% cash back on all purchases, which doubles to 2% on USD purchases. If you have a Rogers service (including Fido or Shaw), you’ll earn 2% back everywhere, which can be increased to 3% if you redeem the cash back towards your Rogers service.
ATB Alberta Secured Mastercard vs. a unique no fee cash back credit card
Secured cards are somewhat rare in Canada but ATB offers one in the ATB Alberta Secured Mastercard.
Here's the comparison to the best secured credit card in Canada, the Secured Tims Mastercard.
| ATB Alberta Secured Mastercard | Secured Tims Mastercard | |
|---|---|---|
| Earn rates | * None | * 2 points per $1 spent at Tim Hortons * 2 points per $1 spent on gas, groceries, EV charging, transit, taxis, rideshares * 1 point per $4 spent everywhere else |
| Average return on purchases | 0% | 0.49% |
| Insurance coverage | 0 | 2 |
| Annual fee | $49 | $0 |
| Minimum security deposit | $500 | $50 |
| Income requirements | * None | * None |
It’s not much of a contest here: the Secured Tims Mastercard earns rewards on purchases, offers a lower minimum security deposit, and has no annual fee. It’s our top secured credit card for a reason!
Pros and cons of ATB credit cards
If you’re an Alberta resident, ATB credit cards offer both benefits and drawbacks to consider.
- Excellent insurance coverage. Most ATB credit cards provide decent insurance – even the no fee cards. Keep in mind that the basic credit cards don’t offer coverage. The ATB World Elite Mastercard has one of the best insurance packages of any credit card in Canada.
- Choose your card design. With the exception of the ATB World Elite Mastercard, ATB allows you to choose the design of your credit card from 80 different options.
- Decent rewards. By and large, the rewards offered by ATB credit cards are decent. They're not breathtaking by any means, but they stack up to what others are offering.
- Only available in Alberta. ATB is based in Alberta and their products are only available to residents of the province.
- Limited perks. ATB cards don’t offer much in the way of perks, though the ATB World Elite Mastercard includes a few lounge passes.
Compare all ATB Credit Cards
FAQ
Who is eligible for the ATB World Elite Mastercard?
To be eligible for an ATB World Elite Mastercard, you must meet income requirements of $80,000 personal or $150,000 household and be a resident of Alberta who is 18 years or older.
Does ATB have a Visa card?
ATB only offers Mastercard credit cards. There are no Visa card options.
Editorial Disclaimer: The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 228 Canadian credit cards.
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