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

The Triangle World Elite Mastercard has no annual fee, while the Brim World Elite charges $89/year.

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

The Brim World Elite earns 2x 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.

Which card is better for international purchases?

The Brim World Elite has no foreign transaction fee, while the Triangle 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 Triangle 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 wins by $369/yr — strongest in groceries

Triangle World Elite Mastercard earns $104 more on groceries
Brim World Elite earns $96 more on bills & utilities
Saves $30/yr in foreign transaction fees
$149 welcome bonus advantage

Groceries: +$104Bills & Utilities: +$96Gas: +$72

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

$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

$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 spendingBrim World Elite—$701Year 1 value

+$369 more than Triangle World Elite Mastercard

Scroll down for the full breakdown

Earn Rates by Category

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The Bottom Line

Brim World Elite wins by $369/yr — strongest in groceries

Triangle World Elite Mastercard earns $104 more on groceries
Brim World Elite earns $96 more on bills & utilities
Saves $30/yr in foreign transaction fees
$149 welcome bonus advantage

Groceries: +$104Bills & Utilities: +$96Gas: +$72

Showing Year 1 analysis

Brim World Elite 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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Brim World Elite

Triangle World Elite Mastercard

Brim World Elite wins by $369/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

Things to Consider

Data Sources

Brim World Elite

Triangle World Elite Mastercard

Brim World Elite wins by $369/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

Things to Consider

Data Sources