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

The Odyssey World Elite Mastercard has a $130 annual fee, while the WestJet RBC World Elite Mastercard charges $139/year.

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

The Odyssey World Elite Mastercard earns 3% 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.

Odyssey World Elite Mastercard 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 $562/yr — strongest in groceries

Odyssey World Elite Mastercard earns $89 more on groceries
WestJet RBC World Elite Mastercard earns $62 more on bills & utilities
$500 welcome bonus advantage

Groceries: +$89Bills & Utilities: +$62Shopping: +$55

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

WestJet RBC World Elite Mastercard: $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

$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

+$562 more than Odyssey World Elite Mastercard

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The Bottom Line

WestJet RBC World Elite Mastercard wins by $562/yr — strongest in groceries

Odyssey World Elite Mastercard earns $89 more on groceries
WestJet RBC World Elite Mastercard earns $62 more on bills & utilities
$500 welcome bonus advantage

Groceries: +$89Bills & Utilities: +$62Shopping: +$55

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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