ATB Rewards Points Value Calculator

Redemption Option	Average Value
Gift Cards	0.5¢ / point
Merchandise	0.5¢ / point
Travel	0.5¢ / point

Best Credit Cards for the ATB Rewards Loyalty Program

These credit cards will give you the most rewards and benefits to optimize for ATB Rewards points

ATB World Elite Mastercard®

3.1

Finly Rating

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Welcome Bonus

40,000 points

First Year Value

$255

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$120 $0

Interest Rates

20.99% / 22.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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Our Take

The ATB World Elite Mastercard offers impressive rewards and insurance coverage, making it ideal for high-income Alberta residents seeking premium travel perks. However, the low point value and high income requirements might limit its appeal for some users.

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.

Card Details

Rewards

8 points for every $1 spent on eligible purchases on select travel merchants, including: airlines, hotels, motels and car rental companies
6 points for every $1 spent on eligible purchases on groceries, gas, digital streaming services and/or subscriptions, and entertainment
2 points for every $1 spent on any other 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.

Insurance

Coverage

Purchase Protection
90 days
Extended Warranty
1 year
Car Rental Accident
$225,000
Car Rental Damage & Theft
yes
Car Rental Personal Effects
$1,000
Emergency Out of province Medical
22 days
Travel Accident
$300,000
Flight Delay
$500
Baggage Delay
$500
Trip Cancellation
$1,000
Trip Interruption
$1,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$1,000
Personal Effects
$1,000
Price Protection
$100 per item, $500 per account annually

Benefits

Details

Airport Lounge - Dragon Pass
4 complimentary lounge visits each year for each primary cardholder
Car Rental Discount
25% off base rate of participating Avis and Budget locations
Boingo Wi-Fi hotspot
over 1 million wifi hotspots worldwide

Eligibility

Credit Score
Very Good
Annual Income
$80,000 personal or $150,000 household

Best Credit Cards for the ATB Rewards Loyalty Program

ATB Rewards Program Breakdown

ATB Rewards Points Value in Increments

	Optimal Redemption Value 0.5¢ / point		Optimal Redemption Value 0.5¢ / point
1 point	$0.005	60,000 points	$300
10 points	$0.05	65,000 points	$325
100 points	$0.5	70,000 points	$350
1,000 points	$5	75,000 points	$375
2,500 points	$12.5	80,000 points	$400
5,000 points	$25	85,000 points	$425
10,000 points	$50	90,000 points	$450
15,000 points	$75	95,000 points	$475
20,000 points	$100	100,000 points	$500
25,000 points	$125	125,000 points	$625
30,000 points	$150	150,000 points	$750
35,000 points	$175	200,000 points	$1,000
40,000 points	$200	250,000 points	$1,250
45,000 points	$225	500,000 points	$2,500
50,000 points	$250	750,000 points	$3,750
55,000 points	$275	1,000,000 points	$5,000