Which has the lower annual fee, ATB Preferred Fixed-Rate or Brim Mastercard?

The Brim Mastercard has no annual fee, while the ATB Preferred Fixed-Rate charges $25/year.

Which card is better for groceries, ATB Preferred Fixed-Rate or Brim Mastercard?

The ATB Preferred Fixed-Rate earns 0% on groceries, while the Brim Mastercard earns 1x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The ATB Preferred Fixed-Rate has a 2.5% foreign transaction fee, while the Brim Mastercard has no foreign transaction fee. The card with no FX fee is better for international purchases.

ATB Preferred Fixed-Rate vs Brim Mastercard — Which Is Better? | Churnr

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

Brim Mastercard wins by $402/yr — strongest in groceries

Brim Mastercard earns $128 more on groceries
Brim Mastercard earns $48 more on bills & utilities
Saves $30/yr in foreign transaction fees

Groceries: +$128Bills & Utilities: +$48Shopping: +$42

ATB Preferred Fixed-Rate: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

−$55

/first year

-0.1% effective$5/mo

vs 1% no-fee card: −$474

Annual rewards earned+$0

FX costs−$30

Annual fee−$25

Winner

$347

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$72

Annual rewards earned+$347

FX costsNo FX fee

Annual fee−$0

Best for your spendingBrim Mastercard—$347Year 1 value

+$402 more than ATB Preferred Fixed-Rate

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

Brim Mastercard wins by $402/yr — strongest in groceries

Brim Mastercard earns $128 more on groceries
Brim Mastercard earns $48 more on bills & utilities
Saves $30/yr in foreign transaction fees

Groceries: +$128Bills & Utilities: +$48Shopping: +$42

Showing Year 1 analysis

Brim Mastercard wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data