Which has the lower annual fee, ATB Gold Cash Rewards or KOHO Everything?

The ATB Gold Cash Rewards has no annual fee, while the KOHO Everything charges $228/year.

Which card is better for groceries, ATB Gold Cash Rewards or KOHO Everything?

The ATB Gold Cash Rewards earns 1.5% on groceries, while the KOHO Everything earns 2%. 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 KOHO Everything has no foreign transaction fee. The card with no FX fee is better for international purchases.

ATB Gold Cash Rewards vs KOHO Everything — Which Is Better? | Churnr

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

KOHO Everything edges ahead by $107/yr

KOHO Everything earns $64 more on groceries
KOHO Everything earns $63 more on shopping
Saves $30/yr in foreign transaction fees
$228 higher annual fee, offset by rewards

Groceries: +$64Shopping: +$63Bills & Utilities: +$48

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

Showing Year 1 analysis

Dollar Value

$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

Winner

$466

/first year

1.1% effective$39/mo

vs 1% no-fee card: +$47

Annual rewards earned+$694

FX costsNo FX fee

Annual fee−$228

Best for your spendingKOHO Everything—$466Year 1 value

+$107 more than ATB Gold Cash Rewards

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

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The Bottom Line

KOHO Everything edges ahead by $107/yr

KOHO Everything earns $64 more on groceries
KOHO Everything earns $63 more on shopping
Saves $30/yr in foreign transaction fees
$228 higher annual fee, offset by rewards

Groceries: +$64Shopping: +$63Bills & Utilities: +$48

Showing Year 1 analysis

KOHO Everything 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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