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

The Triangle World Elite Mastercard has no annual fee, while the Odyssey World Elite Mastercard charges $130/year.

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

The Odyssey World Elite Mastercard earns 3% 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.

Odyssey World Elite Mastercard vs Triangle World Elite Mastercard — Which Is Better? | Churnr

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

Odyssey World Elite Mastercard wins by $252/yr — strongest in gas

Odyssey World Elite Mastercard earns $72 more on gas
Odyssey World Elite Mastercard earns $72 more on travel
$130 higher annual fee, offset by rewards

Gas: +$72Travel: +$72Dining & Restaurants: +$66

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

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

$583

/first year

1.4% effective$49/mo

vs 1% no-fee card: +$165

Annual rewards earned+$743

FX costs−$30

Annual fee−$130

$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 spendingOdyssey World Elite Mastercard—$583Year 1 value

+$252 more than Triangle World Elite Mastercard

Scroll down for the full breakdown

Earn Rates by Category

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The Bottom Line

Odyssey World Elite Mastercard wins by $252/yr — strongest in gas

Odyssey World Elite Mastercard earns $72 more on gas
Odyssey World Elite Mastercard earns $72 more on travel
$130 higher annual fee, offset by rewards

Gas: +$72Travel: +$72Dining & Restaurants: +$66

Showing Year 1 analysis

Odyssey World Elite Mastercard 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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