Which has the lower annual fee, ATB World Elite or PC Insiders WE?

Both cards have the same annual fee of $120.

Which card is better for groceries, ATB World Elite or PC Insiders WE?

The ATB World Elite earns 1x on groceries, while the PC Insiders WE earns 4.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

ATB World Elite vs PC Insiders WE — Which Is Better? | Churnr

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

PC Insiders WE wins by $434/yr — strongest in groceries

PC Insiders WE earns $447 more on groceries
PC Insiders WE earns $324 more on gas

Groceries: +$447Gas: +$324Bills & Utilities: +$24

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

PC Insiders WE: $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

$968

/first year

2.3% effective$81/mo

vs 1% no-fee card: +$549

Annual rewards earned+$1,118

FX costs−$30

Annual fee−$120

Best for your spendingPC Insiders WE—$968Year 1 value

+$434 more than ATB World Elite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

PC Insiders WE wins by $434/yr — strongest in groceries

PC Insiders WE earns $447 more on groceries
PC Insiders WE earns $324 more on gas

Groceries: +$447Gas: +$324Bills & Utilities: +$24

Showing Year 1 analysis

PC Insiders WE 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

PC Insiders WE

PC Insiders WE wins by $434/yr — strongest in groceries

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

PC Insiders WE

PC Insiders WE wins by $434/yr — strongest in groceries

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