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ATB World Elite Mastercard
CANADA CREDIT CARD

ATB World Elite Mastercard

ATB Financial · Annual fee CA$120 CAD · ATB My Rewards Points · data refreshed October 3, 2026

Quick answer: The ATB World Elite Mastercard carries a CA$120 annual fee and 16 catalogued benefits; its best earning category is Travel at 8x. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.

Earning rates

CategoryRateTrue cash-back value
Travel8x4%
Groceries6x3%
Gas6x3%
Streaming6x3%
Entertainment6x3%
Everything else2x1%

True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.

Status & Elite Perks (2)

Mastercard Travel Pass Lounge Access

CA$130/yr
Annual

Enjoy 4 complimentary airport lounge visits per year for the primary cardholder through Mastercard Travel Pass provided by DragonPass, with access to 1,300+ airport lounges worldwide plus dining and spa offers at select airports. Complimentary visits reset every January and unused visits do not carry over. Additional visits are charged per entry. Download the Mastercard Travel Pass app to register.

Concierge Services

Annual

Exclusive 24/7 personal concierge service for World Elite Mastercard members. Call 1-844-949-1112 within Canada and the US (1-514-461-1608 elsewhere) for restaurant recommendations, hotel bookings, event tickets, business conference arrangements and more. Purchases made through the concierge are charged to your card.

Protections (14)

Travel Emergency Medical Insurance

Annual

You, your spouse and dependent children are each automatically covered for up to $2 million of emergency medical coverage for sudden and unexpected illness or accidental injury while travelling outside your province or territory. Available for eligible persons under 65 years of age for up to 22 consecutive days per trip. Underwritten by Assurant (ABLAC/ABIC).

Trip Cancellation Insurance

Annual

If an illness, injury or other covered cause requires you to cancel a trip prior to scheduled departure, eligible non-refundable expenses are reimbursed up to $1,000 per insured person, to a maximum of $5,000 for all insured persons on the same trip. Covers you, your spouse, dependent children and one travelling companion when trip expenses are charged to the card or paid with My Rewards points.

Trip Interruption/Delay Insurance

Annual

If an illness, injury or other covered cause prevents you from continuing your trip, you are covered for up to $1,000 of eligible trip interruption expenses per insured person, to a maximum of $5,000 for all insured persons on the same trip. Covers you, your spouse, dependent children and one travelling companion.

Flight Delay Insurance

Annual

If your flight is delayed by at least 4 hours or you are denied boarding, you, your spouse and dependent children may be reimbursed for necessary and reasonable expenses incurred within 48 hours of the delay, up to $250 per day for up to 2 days. Ticket must be charged to the card or paid with My Rewards points.

Delayed Luggage Insurance

Annual

If your checked luggage is delayed for more than 4 hours at your destination, you, your spouse and dependent children may be reimbursed up to $250 per day for up to 2 days to purchase essential items, when the common carrier fare is charged to the card or paid with My Rewards points.

Lost Luggage Insurance

Annual

If your checked luggage is lost by a common carrier, you, your spouse and dependent children may be reimbursed for the replacement cost of lost personal property up to $1,000 per trip, when the ticket is charged to the card or paid with My Rewards points.

Hotel/Motel Burglary Insurance

Annual

Receive up to $1,000 of coverage for most items of personal property stolen from your hotel or motel room within Canada and the United States when there is evidence of forceful entry, when the room cost is charged to the card or paid with My Rewards points.

Common Carrier Accident Insurance

Annual

When you purchase the full cost of common carrier travel with the card or My Rewards points, receive up to $750,000 of accidental death & dismemberment coverage per account per accident for all insured persons on the same trip while occupying a common carrier. Covers you, your spouse and dependent children.

Car Rental Collision Damage Waiver

Annual

Get up to 48 days of car rental collision damage waiver coverage covering the full cost of damage or theft of the rental vehicle when you charge the full rental cost to the card or pay with My Rewards points and decline the rental agency's CDW.

Car Rental Accident Insurance

Annual

When you pay for a car rental in full with the card or My Rewards points, receive up to $225,000 per account per accident of accidental death & dismemberment coverage for all insured persons on the same trip while occupying the rental vehicle. Covers you, your spouse and dependent children.

Car Rental Personal Effects Insurance

Annual

Personal Effects Insurance coverage of up to $1,000 per insured person per occurrence, to a maximum of $2,000 per account, for personal property while in a rental vehicle paid with the card or My Rewards points.

Mobile Device Insurance

Annual

Up to 2 years of coverage to a maximum of $1,500 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure, when you charge the full cost of the device (or all upfront costs and monthly wireless bill payments) to the card.

Event Ticket Protection Insurance

Annual

If you need to cancel due to a covered reason (e.g. accident, illness, common carrier delays), receive reimbursement of the non-refundable portion of your event ticket cost, up to a maximum of $1,000, when tickets are charged to the card and/or paid with My Rewards points.

Purchase Assurance & Extended Warranty

Annual

Protects purchases against damage and theft for up to 90 days, and doubles the manufacturer's warranty for up to one additional year, when you use the card or redeem My Rewards points to purchase eligible items.

How to track it

Add the ATB World Elite Mastercard to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.

Other ATB Financial cards

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.