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ATB Credit Cards
Are you looking for a credit card that helps you meet your financial goals? ATB Financial offers credit building, low interest, travel, money saving, rewards, U.S dollar and no fee credit card options.
Serving the province of Alberta only, ATB Financial offers a variety of credit cards to customers. Whether you are looking to save money, improve your credit score or earn travel perks or rewards, ATB has a range of MasterCard credit cards that can help you work toward your financial goals. Depending on your spending habits and needs, you can select a credit card that helps you reap rewards, receive benefits or allows you to pay low interest rates on your balances.
Our guide covers the different types of ATB credit cards on offer, as well as the benefits and rewards that each card provides. We also cover the eligibility requirements and how to apply for an ATB credit card, and finally we answer some of the most frequently asked questions about credit cards.
finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider’s website if you are considering applying for this product.
Types of ATB credit cards available
ATB offers a variety of different MasterCard credit cards, including rewards, travel, no annual fee, low interest rate and US dollar credit cards. It’s important to note that you must be a resident of Alberta to bank with ATB. Here’s a summary of each of the main types of credit cards you can choose from that are available at ATB:
- Variable-Rate credit cards
ATB offers a variable-rate credit card with low purchase and cash advance interest rates and a low annual fee. With an ever-changing rate, this type of credit card is good for those who can pay off balances quickly while the rate is at its prime. This type of credit card comes with MasterCard SecureCode and Global Service coverage.
- Fixed-Rate credit cards
Offering similar features to the variable-rate credit card, ATB offers a fixed-rate credit card that comes with a fixed interest rate for the life of the credit card. This card has a competitive purchase and cash advance interest rate and a low annual fee. Additionally, the card comes with MasterCard SecureCode and Global Service coverage.
- Travel Rewards credit cards
ATB offers a travel rewards credit card that comes with zero annual fees and allows you to earn points per dollar spent. Your points, which never expire, can then be used toward travel experiences or merchandise. The card a also offers discounts on car rentals, airport lounge access and other travel related products and services. In addition, the card comes with MasterCard SecureCode and Global Service coverage.
- Rewards credit cards
ATB offers a couple of different rewards credit cards that have zero or low annual fees, cash back or points per dollar spent and the possible opportunity to obtain bonus points when signing up for the card. In addition, these types of cards come with MasterCard SecureCode and Global Service coverage.
- No Annual Fee credit cards
ATB offers a few no annual fee credit cards, which range from offering travel perks to rewards and merchandise. Depending on the card you choose, you can receive complimentary extras like discounts and competitive interest rates on both cash advances and purchases. As with most credit cards offered by ATB, these cards come with MasterCard SecureCode and Global Service coverage.
- Secured credit cards
ATB offers a secured credit card, which has a low annual fee but offers a solution to build your credit score and curb your spending. This card comes with an exceptionally low minimum balance that must be paid back each month. In addition, you can apply for extra balance coverage and protection, to go along with the MasterCard Global Service coverage.
- US dollar credit cards
ATB has one US dollar credit card on offer which has a low annual fee that can be waived if you meet certain criteria. There are no conversion rates or hidden fees and charges with the US dollar credit card and you can purchase additional insurance including travel assistance, accident and collision insurance and purchase insurance and extended warranty.
The benefits of banking with ATB
Some of the features you can enjoy with an ATB credit card include:
ATB serves residents of Alberta only, meaning the bank focuses on providing the best service for a small local population. If you are looking for a more tailored service, ATB may be the right bank for you, whether you are looking for personal or business solutions.
ATB have a few credit cards on offer that allow you to earn rewards including points per dollar spent, access to airport lounges, concierge services, travel experiences and discounts on merchandise and car rentals. Depending on the card you choose, you can reap rewards from your spending.
ATB Internet and mobile banking
If you have an ATB credit card, you can access your account through the secure ATM Online Banking link located on the website. Furthermore, you can download the ATB app to your smartphone and access your accounts that way too. With these convenient options, you can manage your account, pay bills, send transfers to other accounts in Canada and overseas, request a credit limit increase or apply for another ATB product at any time online or via the mobile app.
ATB credit card complimentary extras
ATB offer MasterCard credit cards only, which usually come with MasterCard SecureCode and Global Service coverage. Additional insurance, like balance protection, extended warranty and purchase protection can be added to some credit cards. Premium cards, like the World Elite MasterCard, usually come with additional complimentary extras which may include travel insurance, car rental and collision insurance, airport lounge access, concierge services and other luxury travel benefits.
ATB credit cards security
ATB have a few different security protocols in place including chip technology and MasterCard SecureCode, which offers an additional layer of security when you make purchases online. Furthermore, ATB will contact you immediately if there is any unusual or suspicious activity on your credit card account. If you are the victim of fraud, ATB will help you restore your bank balance and financial information.
How to apply for an ATB credit card
If you’ve done your own research and have decided you’d like to apply for an ATB credit card, you can begin your secure online application by visiting the ATB website. You will be directed to a secure ATB credit card application page, where you will be able to begin the application process if you have all of the necessary documents and details on hand.
Before you get started on your application, ensure that you meet the eligibility requirements for the specific credit card that you are interested in. Eligibility requirements typically vary between credit cards and providers, but generally include the following:
- How old are you? You should be 18 years old.
- What is your Canadian residency status? You will need to be a resident of Alberta.
- What is your credit history like? Ideally, you should have a good to excellent credit score and no recent evidence of defaults or bankruptcy. Most cards from ATB require that you have not declared bankruptcy in the last five years. Some cards will accept fair to poor credit, so check with the provider on the specific card before you apply if you have less than good credit.
Information you will need for your application
If you meet the eligibility requirements for the ATB credit card of your choice, you can then proceed with your application by gathering the following information:
- Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
- Financial information. You will also need to detail information about your current employment, income and assets like shares or property and your employer’s contact details. If you’re self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.
ATB offers a variety of different credit cards that are tailored to the needs of Albertan residents. You can find a credit card that suits your own unique spending habits and financial situation. However, before you apply for a credit card with ATB, do your own research and find a credit card that you can reap rewards from, whether that is paying a low interest rate on your balance or getting travel perks.