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

Both cards have the same annual fee of $120.

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

The ATB World Elite earns 1x on groceries, while the Rewards World Elite earns 3.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

Rewards World Elite wins by $578/yr — strongest in groceries

Rewards World Elite earns $320 more on groceries
Rewards World Elite earns $144 more on bills & utilities

Groceries: +$320Bills & Utilities: +$144Dining & Restaurants: +$83

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

Rewards 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

$1,112

/first year

2.7% effective$93/mo

vs 1% no-fee card: +$693

Annual rewards earned+$962

Welcome bonus+$300

FX costs−$30

Annual fee−$120

Best for your spendingRewards World Elite—$1,112Year 1 value

+$578 more than ATB World Elite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

Rewards World Elite wins by $578/yr — strongest in groceries

Rewards World Elite earns $320 more on groceries
Rewards World Elite earns $144 more on bills & utilities

Groceries: +$320Bills & Utilities: +$144Dining & Restaurants: +$83

Showing Year 1 analysis

Rewards 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

Rewards World Elite

Rewards World Elite wins by $578/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

Card Perks

The Bottom Line

Data Sources

ATB World Elite

Rewards World Elite

Rewards World Elite wins by $578/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

Card Perks

The Bottom Line

Data Sources