Which has the lower annual fee, ATB Gold My Rewards or WestJet RBC Mastercard?

The ATB Gold My Rewards has no annual fee, while the WestJet RBC Mastercard charges $39/year.

Which card is better for groceries, ATB Gold My Rewards or WestJet RBC Mastercard?

The ATB Gold My Rewards earns 0.5x on groceries, while the WestJet RBC Mastercard earns 1.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

ATB Gold My Rewards vs WestJet RBC Mastercard — Which Is Better? | Churnr

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

WestJet RBC Mastercard wins by $273/yr — strongest in groceries

WestJet RBC Mastercard earns $128 more on groceries
WestJet RBC Mastercard earns $59 more on dining & restaurants

Groceries: +$128Dining & Restaurants: +$59Bills & Utilities: +$48

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

WestJet RBC Mastercard: $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

$516

/first year

1.2% effective$43/mo

vs 1% no-fee card: +$97

Annual rewards earned+$585

FX costs−$30

Annual fee−$39

Best for your spendingWestJet RBC Mastercard—$516Year 1 value

+$273 more than ATB Gold My Rewards

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

WestJet RBC Mastercard wins by $273/yr — strongest in groceries

WestJet RBC Mastercard earns $128 more on groceries
WestJet RBC Mastercard earns $59 more on dining & restaurants

Groceries: +$128Dining & Restaurants: +$59Bills & Utilities: +$48

Showing Year 1 analysis

WestJet RBC Mastercard 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

Found an error? Report incorrect data