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

The Triangle World Elite Mastercard has no annual fee, while the BMO Ascend World Elite Mastercard charges $150/year.

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

The BMO Ascend World Elite Mastercard earns 0.7x 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.

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

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

Triangle World Elite Mastercard wins by $222/yr — strongest in groceries

Triangle World Elite Mastercard earns $297 more on groceries
BMO Ascend World Elite Mastercard earns $67 more on bills & utilities
$150 lower annual fee

Groceries: +$297Bills & Utilities: +$67Travel: +$57

BMO Ascend World Elite Mastercard: $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

$109

/first year

0.3% effective$9/mo

vs 1% no-fee card: −$310

Annual rewards earned+$289

FX costs−$30

Annual fee−$150

Winner

$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 spendingTriangle World Elite Mastercard—$332Year 1 value

+$222 more than BMO Ascend World Elite Mastercard

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

Triangle World Elite Mastercard wins by $222/yr — strongest in groceries

Triangle World Elite Mastercard earns $297 more on groceries
BMO Ascend World Elite Mastercard earns $67 more on bills & utilities
$150 lower annual fee

Groceries: +$297Bills & Utilities: +$67Travel: +$57

Showing Year 1 analysis

Triangle World Elite Mastercard wins in both Year 1 and Year 2+ — consistent long-term value.

Things to Consider

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

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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