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Rewards programs

ATB My Rewards

What one ATB My Rewards point is worth and the cards that earn the most.

  • Official values or an announced specialist estimate
  • Ranked by net value, annual fees deducted
  • Data as of November 3, 2026

Official site

Cards that earn these points

Annual spending levels

Each level is a basket of annual spending split across everyday categories. The returns and the ranking are recomputed for that basket.

  • Moderate — $24,000 / year
  • Standard — $36,000 / year
  • High — $60,000 / year

In a personalized analysis, your actual spending replaces this reference basket.

Ranked by annual net value on the standard reference basket ($36,000 of spending a year), annual fees fully deducted.

Rank Card Network Annual fee Annual net value Earning Limitations
1 ATB World Elite Mastercard Mastercard $120 $564 Range: -$120 to $564
  • Travel: 8 points / $ (4¢ per dollar)
  • Entertainment: 6 points / $ (3¢ per dollar)
  • Gas / charging: 6 points / $ (3¢ per dollar)
  • Groceries: 6 points / $ (3¢ per dollar)
  • Everyday purchases: 2 points / $ (1¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases Cap: Entertainment Cap: Gas / charging Cap: Groceries Cap: Travel
2 ATB Gold My Rewards Mastercard | ATB Financial Mastercard $0 $378 Range: $0 to $378
  • Entertainment: 3 points / $ (1.5¢ per dollar)
  • Gas / charging: 3 points / $ (1.5¢ per dollar)
  • Groceries: 3 points / $ (1.5¢ per dollar)
  • Streaming: 3 points / $ (1.5¢ per dollar)
  • Everyday purchases: 1.5 points / $ (0.75¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases Cap: Entertainment Cap: Gas / charging Cap: Groceries

Return computed with the value used for the ranking: 0.5¢ per point.

Value of one point

More details
Operated by
ATB Financial
Where the value comes from
Fixed redemption published by the program
Source
ATB Financial
Verification
Verified on October 31, 2026 Source up to date

“40,000 welcome bonus points ($200 value)”

Restrictions

  • ATB publishes no fixed redemption rate; the value is the one ATB states for its own welcome points.
  • Milesopedia's partner feed reads 1 cent a point (31 Oct. 2026); the lower, official figure is kept.

Programs do not issue the same number of points per dollar: to compare two programs, look at the return per dollar spent, not the value of a point.

Excerpts are quoted in the language of their source.

Where can I go with my ATB My Rewards points?

Browse the routes of the travel catalogue evaluated with ATB My Rewards, without ever passing a balance in the address.

Explore destinations with ATB My Rewards

How to use your points

The redemption options the program publishes, with the value of a point when it is fixed.

Verification covers the quoted excerpt. Confirm your eligibility and the conditions with the program before using your points.

  • Other redemption

    ATB deposit, loan, investment or donation

    Variable value, not published

    Excerpt confirmed on the official source. Read on November 3, 2026.

    “You can redeem your points to make a deposit to your chequing or savings account, pay down an ATB loan or line of credit, open an investment, or donate to charity.”

    Official source

Transfer partners

This program publishes no transfer partner.

Expiry and minimum redemption

Point expiry
No published rule is listed.
Minimum redemption
No published rule is listed.

Welcome offers in ATB My Rewards points

Current offers on the cards of this program. Their value is not part of the ranking above.

View all offers

How to read this ranking

The ranking compares the cards of one program on a single scenario, so the gaps come from the cards and not from the assumptions.

  • Reference basket, standard level: $36,000 of spending a year, spread over everyday categories.
  • High-spend profile: ranking calculated on the reference basket.
  • Annual fees fully deducted from the value.
  • Welcome offers excluded: only the recurring value counts.

Your spending is different? See the best cards by use or the strategies by profile.

Limitations of this page

  • Cards are ranked on the standard reference basket of a high-spend profile; your actual spending may change the order.
  • Recurring annual fees are fully deducted from each card’s value.
  • Transfer partners and rates are those read on the official pages; a program may change them without notice.
  • The value of welcome offers is not part of the card ranking.