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

The Triangle World Elite Mastercard has no annual fee, while the ATB World Elite charges $120/year.

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

The ATB World Elite earns 1x on groceries, while the Triangle World Elite Mastercard earns 3x. The better choice depends on your grocery spending and the specific merchants you shop at.

ATB World Elite vs Triangle World Elite Mastercard — Which Is Better? | Churnr

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

ATB World Elite wins by $202/yr — strongest in groceries

Triangle World Elite Mastercard earns $232 more on groceries
ATB World Elite earns $36 more on gas
$399 welcome bonus advantage
$120 higher annual fee, offset by rewards

Groceries: +$232Gas: +$36Dining & Restaurants: +$33

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

Triangle World Elite Mastercard: Groceries cap limits earning — losing ~$23/yr above cap

Triangle World Elite Mastercard: $30/yr in foreign transaction fees

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

$332

/first year

0.8% effective$28/mo

vs 1% no-fee card: −$87

Annual rewards earned+$360

Welcome bonus+$2

FX costs−$30

Annual fee−$0

Grocery cap reached at $12,000 — remaining $780 earns at base rate (losing ~$23 vs uncapped)

Total lost to caps: $23/yr across 1 category

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

+$202 more than Triangle World Elite Mastercard

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

ATB World Elite wins by $202/yr — strongest in groceries

Triangle World Elite Mastercard earns $232 more on groceries
ATB World Elite earns $36 more on gas
$399 welcome bonus advantage
$120 higher annual fee, offset by rewards

Groceries: +$232Gas: +$36Dining & Restaurants: +$33

Showing Year 1 analysis

Year-over-Year

Year 1

ATB World Elite

by $202 — welcome bonus advantage

Year 2+

Triangle World Elite Mastercard

by $196 — ongoing earn advantage

ATB World Elite wins Year 1 thanks to a better welcome bonus, but Triangle World Elite Mastercard earns more ongoing. Consider how long you plan to hold the card.

Things to Consider

Triangle World Elite Mastercard: Groceries cap limits earning — losing ~$23/yr above cap

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

Triangle World Elite Mastercard

ATB World Elite wins by $202/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

Year-over-Year

Things to Consider

Data Sources

ATB World Elite

Triangle World Elite Mastercard

ATB World Elite wins by $202/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

Year-over-Year

Things to Consider

Data Sources