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 so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
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
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
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
Card Details
Info
Card Type | Points |
Our Rating | 3.1/5 |
Institution | ATB |
Loyalty Program |
Fees & Rates
Annual Fee | $120 (first year waived) |
Interest Rates | Purchase: 20.99% Cash Advance: 22.99% Balance Transfer: 22.99% |
Eligibility
Credit Score Estimate | Very Good |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | 40,000 points |
Description | 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. |
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
The accelerated earn rate applies to the first $50,000 in annual purchases on the account, at merchants qualifying for the accelerated earn rate, per calendar year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 2 points per $1 spent in 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
36,000 points
Valued at $255
Point Redemptions
Gift Cards
$135