Which card is better for groceries, ATB Gold My Rewards or RBC Avion Visa Platinum?

The ATB Gold My Rewards earns 0.5x on groceries, while the RBC Avion Visa Platinum earns 0.8x. The better choice depends on your grocery spending and the specific merchants you shop at.

ATB Gold My Rewards vs RBC Avion Visa Platinum — Which Is Better? | Churnr

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

RBC Avion Visa Platinum edges ahead by $60/yr

RBC Avion Visa Platinum earns $59 more on groceries
RBC Avion Visa Platinum earns $22 more on bills & utilities

Groceries: +$59Bills & Utilities: +$22Shopping: +$19

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

RBC Avion Visa Platinum: $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

$303

/first year

0.7% effective$25/mo

vs 1% no-fee card: −$116

Annual rewards earned+$333

FX costs−$30

Annual fee−$0

Best for your spendingRBC Avion Visa Platinum—$303Year 1 value

+$60 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

RBC Avion Visa Platinum edges ahead by $60/yr

RBC Avion Visa Platinum earns $59 more on groceries
RBC Avion Visa Platinum earns $22 more on bills & utilities

Groceries: +$59Bills & Utilities: +$22Shopping: +$19

Showing Year 1 analysis

RBC Avion Visa Platinum 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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