ATB Financial · Mastercard
Business card
$120 for a flat 1.5 points a dollar, and the only card in this segment that publishes its full insurance schedule. Travel medical runs eight days and stops at 65.
Rates and features verified 2026-08-18Full terms and conditionsHow we research cards
What we like, and what we don’t
Worth having
- A flat 1.5 points a dollar with no categories and no caps
- ATB publishes all nine insurance coverages with amounts, which almost no issuer in this segment does
- Travel emergency medical of $1,000,000, plus trip cancellation, flight delay and rental car cover
- A 19.9% rate
Watch out for
- Travel medical runs only eight days and provides nothing at all from age 65
- Trip cancellation is $1,000 a person to a $5,000 maximum, well below the segment
- ATB publishes no cents per point value, so 1.5 points a dollar cannot be priced
- Employee cards cost $49 each with none included
- Alberta only, with a 2.9% foreign transaction fee
What this card earns
- Everything else
- 1.5x
- Bonus categories at once
- 1 you choose which
- What we value a point at
- Not published by the issuer
The earning fine print
Flat 1.5 points per $1 on eligible purchases. Cash advances, balance transfers, Mastercard cheques and gambling do not earn. ATB does not publish a fixed cents-per-point redemption value, so point_value_cents is null.
What the offer actually requires
No welcome offer published.
Fees and interest rates
- Annual fee
- $120
- Employee card
- $49
- Employee cards included
- None
- Foreign transaction fee
- 2.9%
- Purchase APR
- 19.9%
- Cash advance APR
- 19.9%
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
Insurance and benefits
- Travel medical
- $1,000,000 first 8 days of a trip, age 65 and under
- Trip cancellation
- $1,000
- Trip interruption
- $1,000
- Flight delay
- $500
- Baggage delay
- $500
- Rental car damage waiver
- Included
- Purchase protection
- Included
- Extended warranty
- Included
What the benefits really mean
The only card in this segment with a fully published insurance schedule. Nine coverages: travel emergency medical $1 million, under age 65, 8 days maximum; trip cancellation/interruption $1,000 per person to a $5,000 maximum; flight delay $500; delayed luggage $500; hotel/motel burglary $1,000; common carrier accidental death/dismemberment $500,000; car rental collision damage waiver 48 days; car rental accidental death/dismemberment $150,000; purchase assurance 90 days plus extended warranty of 1 additional year. Minimum payment 3% monthly. PROVINCE: ATB Financial operates only in Alberta. Application in-branch. Free employee cards: 0. Every supplemental card is $49 per year. 8 days of travel medical coverage only, and nothing at all if the traveller is 65 or over. This is one of the shortest coverage periods on any Canadian business card. Trip cancellation is only $1,000 per person / $5,000 maximum. Far below the $1,500-$5,000 per person typical of bank premium cards. Every employee card costs $49; a 5-card business pays $120 + $196 = $316/year. 2.9% foreign currency conversion fee. Alberta only; in-branch application. ATB does not publish a redemption value per point, so the real return on the 1.5 points/$1 cannot be calculated before applying.
Our verdict
Credit for transparency: ATB is the only issuer in this segment that publishes every insurance amount, day limit and age limit rather than listing coverages by name. That alone makes it easier to judge than several bank cards at twice the price.
What the schedule reveals is thin cover. Eight days of travel medical is among the shortest in Canada, and it stops entirely at 65 rather than reducing. Trip cancellation at $1,000 a person is well below what $120 buys elsewhere. Add an unpriced points currency and ATB's own free MyBusiness Rewards card, which pays a knowable 1% for nothing, is the better card for most Alberta businesses.
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Where this came from. atb.com/business/accounts-and-services/credit-cards/alberta-rewards-businesscard/ ; atb.com/business/accounts-and-services/credit-cards/ ; atb.com/resources/rates/mastercard-rates/ (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.