ATB Financial · Mastercard
Business card
$65 for Alberta farms and ranches, with a 1% minimum monthly payment instead of the usual 3%. It carries no insurance of any kind.
Rates and features verified 2026-08-18Full terms and conditionsHow we research cards
What we like, and what we don’t
Worth having
- A 1% minimum monthly payment, a third of what every other ATB business card requires
- Designed around seasonal agricultural cash flow, which no bank card is
- A rate as low as prime plus 2%
- A genuinely purpose built product rather than a rebadged general card
Watch out for
- ATB's own comparison table states this card carries no insurance at all, unlike its siblings
- The low minimum payment greatly increases total interest if you use it as designed
- It earns no rewards at all
- The fee doubles once the credit limit passes $50,000
- Alberta only, with a 2.9% foreign transaction fee
What this card earns
- What we value a point at
- Not published by the issuer
The earning fine print
No rewards programme.
Fees and interest rates
- Annual fee
- $65
- Employee card
- $35
- Employee cards included
- None
- Foreign transaction fee
- 2.9%
- Purchase APR
- Not published by the issuer
Who can get this card
- Not available in
- BC, SK, MB, ON, QC, NB, NS, PE, NL, YT, NT, NU
- Existing account required
- Yes
- Personal guarantee required
- No you are personally liable for the balance
What the benefits really mean
Purpose-built for Alberta farmers and ranchers. Its distinguishing feature is a 1% MINIMUM MONTHLY PAYMENT. A third of the 3% required on every other ATB business card. Which is designed around seasonal agricultural cash flow. ATB's own comparison explicitly lists 'no insurance' for this card, unlike the other three in the line. Prime + 2% custom starting rate. PROVINCE: Alberta only. In-branch application. Annual fee: $65 for credit limits up to $50,000. Free employee cards: 0. Every supplemental card is $35 per year. The issuer publishes a formula rather than a purchase rate: "Custom rate as low as Prime + 2%". We leave the rate field empty rather than publish arithmetic the issuer never published. No insurance of any kind. ATB's own comparison table states this card carries none, while its siblings carry purchase assurance and rental coverage. The 1% minimum payment is a cash-flow benefit but greatly increases total interest paid if used as designed. ATB's published rate table shows no rate for this card at all. 'as low as Prime + 2%' is the only guidance. Every employee card costs $35. 2.9% foreign currency conversion fee. Alberta only, and effectively restricted to agricultural operators.
Our verdict
A 1% minimum payment is a real answer to a real problem. Farm income arrives in a lump after harvest and expenses do not, and a card that lets you pay a third of the usual minimum through the growing season is genuinely useful in a way no national card is.
Understand the cost of using it that way. Paying 1% a month at prime plus 2% or worse means the balance falls slowly and the interest compounds, so the feature that helps cash flow costs real money over a season. And ATB is clear that this card carries no insurance at all while its siblings do, which is an odd omission on a card sold to people who drive a lot.
Cards worth comparing this against
Compare this against every card we track
Where this came from. atb.com/business/accounts-and-services/credit-cards/ (fetched 18 Aug 2026). We take every figure from the issuer’s own pages, never from another comparison site, and we leave a field blank rather than guess at it.