Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$255
$60 in years after
Annual Rewards
$180
ATB Rewards
First Year Bonus
$75
ATB Rewards
Annual Fee
$120
$0
First Year Waived
First Year Value
$255
$60 in years after
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$120
Annual Income
Personal: $80,000
Household: $150,000
Credit Score
Very Good
Welcome Bonus
The first year annual fee is waived ($120 value) plus you'll receive a 40,000 welcome bonus points ($200 value) when you make your first purchase. Offer available on new ATB World Elite Mastercard accounts where the cardholder had no previous ATB World Elite Mastercard.
Card Type
Category: Points
Loyalty Program: ATB Rewards
Our Rating
3.1/5
Institution
ATB
Rewards
- 8 points per $1 spent on airlines, hotels, motels and car rental companies
- 6 points per $1 spent on groceries, gas, digital streaming services, and entertainment
- 2 points per $1 spent on all other eligible purchases
ATB World Elite Mastercard® Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
All purchases
36,000 points
Annual Fee
- $120
Net Annual Rewards
36,000 points
Valued at $60 (after fees)
Rewards Summary
Net Annual Rewards
36,000 points
Valued at $60 (after fees)
First Year Card Bonus
15,000 points
Valued at $75
First Year Card Value
51,000 points
Valued at $255
Point Redemptions
Gift Cards
$135
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Car Rental Accident
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Car Rental Damage & Theft
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Car Rental Personal Effects
$1,000
Emergency Out of province Medical
22 days
Travel Accident
$300,000
Flight Delay
$500Baggage Delay
$500
Trip Cancellation
$1,000
Trip Interruption
$1,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$1,000Personal Effects
$1,000
Price Protection
$100 per item, $500 per account annually
Benefits
Details
Airport Lounge - Dragon Pass
MasterCard DragonPass + 2 complimentary visits per year
Car Rental Discount
25% off base rate of participating Avis and Budget locations
Boingo Wi-Fi hotspot
over 1 million wifi hotspots worldwide
Pros & Cons
Pros
- High rewards: Earn up to 8 points per $1 spent on travel, 6 points on groceries, gas, digital streaming, and entertainment, and 2 points on all other purchases.
- Extensive insurance coverage: Comes with 15 types of insurance, providing broad protection.
- Airport lounge access: Includes 2 free passes to Mastercard Travel Pass lounges.
- First-year annual fee waived: Save $120 in the first year.
Cons
- Low point value: Points are only worth 0.5 cents each, reducing overall rewards value.
- Limited to Alberta residents: Only available to those living in Alberta.
- High income requirement: Requires $80,000 personal income or $150,000 household income.