Which card is better for groceries, ATB Alberta or Brim Mastercard?

The ATB Alberta earns 0% on groceries, while the Brim Mastercard earns 1x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The ATB Alberta has a 2.5% foreign transaction fee, while the Brim Mastercard has no foreign transaction fee. The card with no FX fee is better for international purchases.

ATB Alberta vs Brim Mastercard — Which Is Better? | Churnr

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

Brim Mastercard wins by $377/yr — strongest in groceries

Brim Mastercard earns $128 more on groceries
Brim Mastercard earns $48 more on bills & utilities
Saves $30/yr in foreign transaction fees

Groceries: +$128Bills & Utilities: +$48Shopping: +$42

ATB Alberta: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

−$30

/first year

-0.1% effective$2/mo

vs 1% no-fee card: −$449

Annual rewards earned+$0

FX costs−$30

Annual fee−$0

Winner

$347

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$72

Annual rewards earned+$347

FX costsNo FX fee

Annual fee−$0

Best for your spendingBrim Mastercard—$347Year 1 value

+$377 more than ATB Alberta

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Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

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The Bottom Line

Brim Mastercard wins by $377/yr — strongest in groceries

Brim Mastercard earns $128 more on groceries
Brim Mastercard earns $48 more on bills & utilities
Saves $30/yr in foreign transaction fees

Groceries: +$128Bills & Utilities: +$48Shopping: +$42

Showing Year 1 analysis

Brim 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

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ATB Alberta

Brim Mastercard

Brim Mastercard wins by $377/yr — strongest in groceries

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources

ATB Alberta

Brim Mastercard

Brim Mastercard wins by $377/yr — strongest in groceries

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources