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

The ATB Gold My Rewards has no annual fee, while the World Mastercard charges $75/year.

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

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

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

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

World Mastercard wins by $628/yr — strongest in groceries

World Mastercard earns $320 more on groceries
World Mastercard earns $83 more on dining & restaurants
$100 welcome bonus advantage
$75 higher annual fee, offset by rewards

Groceries: +$320Dining & Restaurants: +$83Bills & Utilities: +$72

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

World 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

$871

/first year

2.1% effective$73/mo

vs 1% no-fee card: +$453

Annual rewards earned+$776

Welcome bonus+$200

FX costs−$30

Annual fee−$75

Best for your spendingWorld Mastercard—$871Year 1 value

+$628 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

World Mastercard wins by $628/yr — strongest in groceries

World Mastercard earns $320 more on groceries
World Mastercard earns $83 more on dining & restaurants
$100 welcome bonus advantage
$75 higher annual fee, offset by rewards

Groceries: +$320Dining & Restaurants: +$83Bills & Utilities: +$72

Showing Year 1 analysis

World 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

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