Which has the lower annual fee, Odyssey World Elite Mastercard or PC Insiders WE?

The PC Insiders WE has a $120 annual fee, while the Odyssey World Elite Mastercard charges $130/year.

Which card is better for groceries, Odyssey World Elite Mastercard or PC Insiders WE?

The Odyssey World Elite Mastercard earns 3% on groceries, while the PC Insiders WE earns 4.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

Odyssey World Elite Mastercard vs PC Insiders WE — Which Is Better? | Churnr

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

PC Insiders WE wins by $385/yr — strongest in gas

PC Insiders WE earns $288 more on gas
PC Insiders WE earns $192 more on groceries

Gas: +$288Groceries: +$192Travel: +$48

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

PC Insiders WE: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$583

/first year

1.4% effective$49/mo

vs 1% no-fee card: +$165

Annual rewards earned+$743

FX costs−$30

Annual fee−$130

Winner

$968

/first year

2.3% effective$81/mo

vs 1% no-fee card: +$549

Annual rewards earned+$1,118

FX costs−$30

Annual fee−$120

Best for your spendingPC Insiders WE—$968Year 1 value

+$385 more than Odyssey World Elite Mastercard

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

PC Insiders WE wins by $385/yr — strongest in gas

PC Insiders WE earns $288 more on gas
PC Insiders WE earns $192 more on groceries

Gas: +$288Groceries: +$192Travel: +$48

Showing Year 1 analysis

PC Insiders WE wins in both Year 1 and Year 2+ — consistent long-term value.

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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