Which has the lower annual fee, Brim World Elite or Odyssey World Elite Mastercard?

The Brim World Elite has a $89 annual fee, while the Odyssey World Elite Mastercard charges $130/year.

Which card is better for groceries, Brim World Elite or Odyssey World Elite Mastercard?

The Brim World Elite earns 2x on groceries, while the Odyssey World Elite Mastercard earns 3%. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The Brim World Elite has no foreign transaction fee, while the Odyssey World Elite Mastercard has a 2.5% foreign transaction fee. The card with no FX fee is better for international purchases.

Brim World Elite vs Odyssey World Elite Mastercard — Which Is Better? | Churnr

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

Brim World Elite edges ahead by $117/yr

Odyssey World Elite Mastercard earns $128 more on groceries
Brim World Elite earns $48 more on bills & utilities
Saves $30/yr in foreign transaction fees
$150 welcome bonus advantage

Groceries: +$128Bills & Utilities: +$48Travel: +$24

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

Showing Year 1 analysis

Dollar Value

Winner

$701

/first year

1.7% effective$58/mo

vs 1% no-fee card: +$282

Annual rewards earned+$640

Welcome bonus+$150

FX costsNo FX fee

Annual fee−$89

$583

/first year

1.4% effective$49/mo

vs 1% no-fee card: +$165

Annual rewards earned+$743

FX costs−$30

Annual fee−$130

Best for your spendingBrim World Elite—$701Year 1 value

+$117 more than Odyssey World Elite Mastercard

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

Brim World Elite edges ahead by $117/yr

Odyssey World Elite Mastercard earns $128 more on groceries
Brim World Elite earns $48 more on bills & utilities
Saves $30/yr in foreign transaction fees
$150 welcome bonus advantage

Groceries: +$128Bills & Utilities: +$48Travel: +$24

Showing Year 1 analysis

Year-over-Year

Year 1

Brim World Elite

by $117 — welcome bonus advantage

Year 2+

Too close to call

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data

Brim World Elite

Odyssey World Elite Mastercard

Brim World Elite edges ahead by $117/yr

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

Data Sources

Brim World Elite

Odyssey World Elite Mastercard

Brim World Elite edges ahead by $117/yr

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

Data Sources