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

The WestJet RBC World Elite Mastercard has a $139 annual fee, while the BMO Ascend World Elite Mastercard charges $150/year.

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

The BMO Ascend World Elite Mastercard earns 0.7x on groceries, while the WestJet RBC World Elite Mastercard earns 2.3x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

WestJet RBC World Elite Mastercard wins by $1,036/yr — strongest in groceries

WestJet RBC World Elite Mastercard earns $231 more on groceries
WestJet RBC World Elite Mastercard earns $76 more on shopping
$500 welcome bonus advantage

Groceries: +$231Shopping: +$76Gas: +$65

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

WestJet RBC 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

$1,145

/first year

2.7% effective$95/mo

vs 1% no-fee card: +$727

Annual rewards earned+$814

Welcome bonus+$500

FX costs−$30

Annual fee−$139

Best for your spendingWestJet RBC World Elite Mastercard—$1,145Year 1 value

+$1,036 more than BMO Ascend World Elite Mastercard

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The Bottom Line

WestJet RBC World Elite Mastercard wins by $1,036/yr — strongest in groceries

WestJet RBC World Elite Mastercard earns $231 more on groceries
WestJet RBC World Elite Mastercard earns $76 more on shopping
$500 welcome bonus advantage

Groceries: +$231Shopping: +$76Gas: +$65

Showing Year 1 analysis

WestJet RBC World Elite Mastercard 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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