Which card is better for groceries, ATB Gold Cash Rewards or EQ Bank Card?

The ATB Gold Cash Rewards earns 1.5% on groceries, while the EQ Bank Card earns 0.5%. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The ATB Gold Cash Rewards has a 2.5% foreign transaction fee, while the EQ Bank Card has no foreign transaction fee. The card with no FX fee is better for international purchases.

ATB Gold Cash Rewards vs EQ Bank Card — Which Is Better? | Churnr

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

ATB Gold Cash Rewards edges ahead by $185/yr

ATB Gold Cash Rewards earns $128 more on groceries
ATB Gold Cash Rewards earns $24 more on bills & utilities
Saves $30/yr in foreign transaction fees

Groceries: +$128Bills & Utilities: +$24Gas: +$18

ATB Gold Cash Rewards: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$359

/first year

0.9% effective$30/mo

vs 1% no-fee card: −$60

Annual rewards earned+$384

Welcome bonus+$5

FX costs−$30

Annual fee−$0

$173

/first year

0.4% effective$14/mo

vs 1% no-fee card: −$245

Annual rewards earned+$173

FX costsNo FX fee

Annual fee−$0

Best for your spendingATB Gold Cash Rewards—$359Year 1 value

+$185 more than EQ Bank Card

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Earn Rates by Category

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The Bottom Line

ATB Gold Cash Rewards edges ahead by $185/yr

ATB Gold Cash Rewards earns $128 more on groceries
ATB Gold Cash Rewards earns $24 more on bills & utilities
Saves $30/yr in foreign transaction fees

Groceries: +$128Bills & Utilities: +$24Gas: +$18

Showing Year 1 analysis

ATB Gold Cash Rewards wins in both Year 1 and Year 2+ — consistent long-term value.

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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