Which has the lower annual fee, Aspire Travel World Elite Mastercard or RBC Cathay Pacific Visa Infinite?

The RBC Cathay Pacific Visa Infinite 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 RBC Cathay Pacific Visa Infinite?

The Aspire Travel World Elite Mastercard earns 2x on groceries, while the RBC Cathay Pacific Visa Infinite earns 1.6x. The better choice depends on your grocery spending and the specific merchants you shop at.

Aspire Travel World Elite Mastercard vs RBC Cathay Pacific Visa Infinite — Which Is Better? | Churnr

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

Aspire Travel World Elite Mastercard edges ahead by $109/yr

Aspire Travel World Elite Mastercard earns $51 more on groceries

Groceries: +$51Bills & Utilities: +$19Shopping: +$17

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

RBC Cathay Pacific Visa Infinite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$514

/first year

1.2% effective$43/mo

vs 1% no-fee card: +$95

Annual rewards earned+$694

FX costs−$30

Annual fee−$150

$405

/first year

1.0% effective$34/mo

vs 1% no-fee card: −$14

Annual rewards earned+$555

FX costs−$30

Annual fee−$120

Best for your spendingAspire Travel World Elite Mastercard—$514Year 1 value

+$109 more than RBC Cathay Pacific Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

Aspire Travel World Elite Mastercard edges ahead by $109/yr

Aspire Travel World Elite Mastercard earns $51 more on groceries

Groceries: +$51Bills & Utilities: +$19Shopping: +$17

Showing Year 1 analysis

Aspire Travel World Elite Mastercard wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data