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

The ATB Gold Cash Rewards has no annual fee, while the KOHO Extra charges $108/year.

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

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

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

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

ATB Gold Cash Rewards wins by $293/yr — strongest in groceries

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
$108 lower annual fee

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

$65

/first year

0.2% effective$5/mo

vs 1% no-fee card: −$353

Annual rewards earned+$173

FX costsNo FX fee

Annual fee−$108

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

+$293 more than KOHO Extra

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Earn Rates by Category

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The Bottom Line

ATB Gold Cash Rewards wins by $293/yr — strongest in groceries

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
$108 lower annual fee

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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