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

The Brim World Elite has a $89 annual fee, while the Rewards World Elite charges $120/year.

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

The Brim World Elite earns 2x 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.

Which card is better for international purchases?

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

Brim 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 $411/yr — strongest in groceries

Rewards World Elite earns $192 more on groceries
Rewards World Elite earns $72 more on bills & utilities
Saves $30/yr in foreign transaction fees
$150 welcome bonus advantage

Groceries: +$192Bills & Utilities: +$72Dining & Restaurants: +$50

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

Showing Year 1 analysis

Dollar Value

$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

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

+$411 more than Brim World Elite

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Earn Rates by Category

Wallet Optimizer

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The Bottom Line

Rewards World Elite wins by $411/yr — strongest in groceries

Rewards World Elite earns $192 more on groceries
Rewards World Elite earns $72 more on bills & utilities
Saves $30/yr in foreign transaction fees
$150 welcome bonus advantage

Groceries: +$192Bills & Utilities: +$72Dining & Restaurants: +$50

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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Brim World Elite

Rewards World Elite

Rewards World Elite wins by $411/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

Brim World Elite

Rewards World Elite

Rewards World Elite wins by $411/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