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

The ATB Gold My Rewards earns 0.5x on groceries, while the PC World Elite earns 3x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

PC World Elite wins by $853/yr — strongest in gas

PC World Elite earns $342 more on gas
PC World Elite earns $320 more on groceries
$100 welcome bonus advantage

Gas: +$342Groceries: +$320Bills & Utilities: +$24

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

PC World Elite: $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

$1,096

/first year

2.6% effective$91/mo

vs 1% no-fee card: +$678

Annual rewards earned+$926

Welcome bonus+$200

FX costs−$30

Annual fee−$0

Best for your spendingPC World Elite—$1,096Year 1 value

+$853 more than ATB Gold My Rewards

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

PC World Elite wins by $853/yr — strongest in gas

PC World Elite earns $342 more on gas
PC World Elite earns $320 more on groceries
$100 welcome bonus advantage

Gas: +$342Groceries: +$320Bills & Utilities: +$24

Showing Year 1 analysis

PC World Elite 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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