Which card is better for groceries, Neo Mastercard or PC World Elite?

The Neo Mastercard earns 4% on groceries, while the PC World Elite earns 3x. The better choice depends on your grocery spending and the specific merchants you shop at.

Neo Mastercard vs PC World Elite — Which Is Better? | Churnr

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

Too close to call — $25 difference per year

PC World Elite wins gas (+$216), shopping (+$21)
Neo Mastercard wins bills & utilities (+$144), groceries (+$128)

Gas: +$216Bills & Utilities: +$144Groceries: +$128

Neo Mastercard: $30/yr in foreign transaction fees

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

Showing Year 1 analysis

Dollar Value

$1,121

/first year

2.7% effective$93/mo

vs 1% no-fee card: +$702

Annual rewards earned+$1,126

Welcome bonus+$25

FX costs−$30

Annual fee−$0

$1,096

/first year

2.6% effective$91/mo

vs 1% no-fee card: +$678

Annual rewards earned+$926

Welcome bonus+$200

FX costs−$30

Annual fee−$0

Too close to call — choose based on network acceptance or benefits.

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

Too close to call — $25 difference per year

PC World Elite wins gas (+$216), shopping (+$21)
Neo Mastercard wins bills & utilities (+$144), groceries (+$128)

Gas: +$216Bills & Utilities: +$144Groceries: +$128

Choose based on:

Network preference — Visa/MC acceptance at your regular merchants
Existing loyalty program alignment
Welcome bonus timing and eligibility
Benefits you value — lounge access, insurance, purchase protection

Showing Year 1 analysis

Year-over-Year

Year 1

Too close to call

Year 2+

Neo Mastercard

by $200 — ongoing earn advantage

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

Neo Mastercard

PC World Elite

Too close to call — $25 difference per year

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

Neo Mastercard

PC World Elite

Too close to call — $25 difference per year

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