Which has the lower annual fee, Aspire Travel World Elite Mastercard or ATB World Elite?

The ATB World Elite has a $120 annual fee, while the Aspire Travel World Elite Mastercard charges $150/year.

Which card is better for groceries, Aspire Travel World Elite Mastercard or ATB World Elite?

The Aspire Travel World Elite Mastercard earns 2x on groceries, while the ATB World Elite earns 1x. The better choice depends on your grocery spending and the specific merchants you shop at.

Aspire Travel World Elite Mastercard vs ATB World Elite — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Too close to call — $20 difference per year

Aspire Travel World Elite Mastercard wins groceries (+$128), bills & utilities (+$72)

Groceries: +$128Bills & Utilities: +$72Shopping: +$63

Aspire Travel World Elite Mastercard: $30/yr in foreign transaction fees

ATB World Elite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$514

/first year

1.2% effective$43/mo

vs 1% no-fee card: +$95

Annual rewards earned+$694

FX costs−$30

Annual fee−$150

$534

/first year

1.3% effective$44/mo

vs 1% no-fee card: +$115

Annual rewards earned+$284

Welcome bonus+$400

FX costs−$30

Annual fee−$120

Too close to call — choose based on network acceptance or benefits.

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

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The Bottom Line

Too close to call — $20 difference per year

Aspire Travel World Elite Mastercard wins groceries (+$128), bills & utilities (+$72)

Groceries: +$128Bills & Utilities: +$72Shopping: +$63

Choose based on:

Network preference — Visa/MC acceptance at your regular merchants
Existing loyalty program alignment
Welcome bonus timing and eligibility
Benefits you value — lounge access, insurance, purchase protection

Showing Year 1 analysis

Year-over-Year

Year 1

Too close to call

Year 2+

Aspire Travel World Elite Mastercard

by $380 — ongoing earn advantage

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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