Which card is better for groceries, ATB Gold My Rewards or PC World?

The ATB Gold My Rewards earns 0.5x on groceries, while the PC World earns 2.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

ATB Gold My Rewards vs PC World — Which Is Better? | Churnr

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

PC World wins by $319/yr — strongest in groceries

PC World earns $256 more on groceries
PC World earns $72 more on gas

Groceries: +$256Gas: +$72Bills & Utilities: +$24

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

PC World: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$243

/first year

0.6% effective$20/mo

vs 1% no-fee card: −$175

Annual rewards earned+$173

Welcome bonus+$100

FX costs−$30

Annual fee−$0

Winner

$563

/first year

1.3% effective$47/mo

vs 1% no-fee card: +$144

Annual rewards earned+$593

FX costs−$30

Annual fee−$0

Best for your spendingPC World—$563Year 1 value

+$319 more than ATB Gold My Rewards

Scroll down for the full breakdown

Earn Rates by Category

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The Bottom Line

PC World wins by $319/yr — strongest in groceries

PC World earns $256 more on groceries
PC World earns $72 more on gas

Groceries: +$256Gas: +$72Bills & Utilities: +$24

Showing Year 1 analysis

PC World 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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