Which has the lower annual fee, ATB World Elite or Marriott Bonvoy American Express Card?

The ATB World Elite has a $120 annual fee, while the Marriott Bonvoy American Express Card charges $150/year.

Which card is better for groceries, ATB World Elite or Marriott Bonvoy American Express Card?

The ATB World Elite earns 1x on groceries, while the Marriott Bonvoy American Express Card earns 1.6%. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the Marriott Bonvoy American Express Card accepted everywhere in Canada?

The Marriott Bonvoy American Express Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

ATB World Elite vs Marriott Bonvoy American Express Card — Which Is Better? | Churnr

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

ATB World Elite edges ahead by $188/yr

Marriott Bonvoy American Express Card earns $77 more on groceries
Marriott Bonvoy American Express Card earns $72 more on travel
$400 welcome bonus advantage

Groceries: +$77Travel: +$72Shopping: +$46

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

Marriott Bonvoy American Express Card: $30/yr in foreign transaction fees

Marriott Bonvoy American Express Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

Showing Year 1 analysis

Dollar Value

Winner

$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

$346

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$73

Annual rewards earned+$526

FX costs−$30

Annual fee−$150

Best for your spendingATB World Elite—$534Year 1 value

+$188 more than Marriott Bonvoy American Express Card

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

ATB World Elite edges ahead by $188/yr

Marriott Bonvoy American Express Card earns $77 more on groceries
Marriott Bonvoy American Express Card earns $72 more on travel
$400 welcome bonus advantage

Groceries: +$77Travel: +$72Shopping: +$46

Showing Year 1 analysis

Year-over-Year

Year 1

ATB World Elite

by $188 — welcome bonus advantage

Year 2+

Marriott Bonvoy American Express Card

by $212 — ongoing earn advantage

ATB World Elite wins Year 1 thanks to a better welcome bonus, but Marriott Bonvoy American Express Card earns more ongoing. Consider how long you plan to hold the card.

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

Marriott Bonvoy American Express Card

ATB World Elite edges ahead by $188/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

Year-over-Year

Data Sources

ATB World Elite

Marriott Bonvoy American Express Card

ATB World Elite edges ahead by $188/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

Year-over-Year

Data Sources