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

The PC 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 PC Mastercard?

The ATB Preferred Fixed-Rate earns 0% on groceries, while the PC Mastercard earns 1.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

PC Mastercard wins by $454/yr — strongest in groceries

PC Mastercard earns $192 more on groceries
PC Mastercard earns $54 more on gas

Groceries: +$192Gas: +$54Bills & Utilities: +$48

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

PC Mastercard: $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

$399

/first year

1.0% effective$33/mo

vs 1% no-fee card: −$20

Annual rewards earned+$429

FX costs−$30

Annual fee−$0

Best for your spendingPC Mastercard—$399Year 1 value

+$454 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

PC Mastercard wins by $454/yr — strongest in groceries

PC Mastercard earns $192 more on groceries
PC Mastercard earns $54 more on gas

Groceries: +$192Gas: +$54Bills & Utilities: +$48

Showing Year 1 analysis

PC 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

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