Which has the lower annual fee, ATB World Elite or Brim World Elite?

The Brim World Elite has a $89 annual fee, while the ATB World Elite charges $120/year.

Which card is better for groceries, ATB World Elite or Brim World Elite?

The ATB World Elite earns 1x on groceries, while the Brim World Elite earns 2x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The ATB World Elite has a 2.5% foreign transaction fee, while the Brim World Elite has no foreign transaction fee. The card with no FX fee is better for international purchases.

ATB World Elite vs Brim World Elite — Which Is Better? | Churnr

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

Brim World Elite edges ahead by $167/yr

Brim World Elite earns $128 more on groceries
Brim World Elite earns $72 more on bills & utilities
Saves $30/yr in foreign transaction fees

Groceries: +$128Bills & Utilities: +$72Gas: +$36

ATB World Elite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$534

/first year

1.3% effective$44/mo

vs 1% no-fee card: +$115

Annual rewards earned+$284

Welcome bonus+$400

FX costs−$30

Annual fee−$120

Winner

$701

/first year

1.7% effective$58/mo

vs 1% no-fee card: +$282

Annual rewards earned+$640

Welcome bonus+$150

FX costsNo FX fee

Annual fee−$89

Best for your spendingBrim World Elite—$701Year 1 value

+$167 more than ATB World Elite

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Earn Rates by Category

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The Bottom Line

Brim World Elite edges ahead by $167/yr

Brim World Elite earns $128 more on groceries
Brim World Elite earns $72 more on bills & utilities
Saves $30/yr in foreign transaction fees

Groceries: +$128Bills & Utilities: +$72Gas: +$36

Showing Year 1 analysis

Brim World Elite 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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ATB World Elite

Brim World Elite

Brim World Elite edges ahead by $167/yr

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Welcome Bonus

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources

ATB World Elite

Brim World Elite

Brim World Elite edges ahead by $167/yr

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Welcome Bonus

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources