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

The Brim World Elite has a $89 annual fee, while the WestJet RBC World Elite Mastercard charges $139/year.

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

The Brim World Elite earns 2x 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.

Which card is better for international purchases?

The Brim World Elite has no foreign transaction fee, while the WestJet RBC 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 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 $445/yr — strongest in shopping

WestJet RBC World Elite Mastercard earns $55 more on shopping
WestJet RBC World Elite Mastercard earns $38 more on groceries
Saves $30/yr in foreign transaction fees
$350 welcome bonus advantage

Shopping: +$55Groceries: +$38Travel: +$24

WestJet RBC World Elite Mastercard: $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

$1,145

/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

+$445 more than Brim World Elite

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Earn Rates by Category

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The Bottom Line

WestJet RBC World Elite Mastercard wins by $445/yr — strongest in shopping

WestJet RBC World Elite Mastercard earns $55 more on shopping
WestJet RBC World Elite Mastercard earns $38 more on groceries
Saves $30/yr in foreign transaction fees
$350 welcome bonus advantage

Shopping: +$55Groceries: +$38Travel: +$24

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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Brim World Elite

WestJet RBC World Elite Mastercard

WestJet RBC World Elite Mastercard wins by $445/yr — strongest in shopping

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

Data Sources

Brim World Elite

WestJet RBC World Elite Mastercard

WestJet RBC World Elite Mastercard wins by $445/yr — strongest in shopping

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

Data Sources