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

The Odyssey World Elite Mastercard has a $130 annual fee, while the World Elite Mastercard charges $150/year.

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

The Odyssey World Elite Mastercard earns 3% on groceries, while the World Elite Mastercard earns 5x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

World Elite Mastercard wins by $885/yr — strongest in groceries

World Elite Mastercard earns $256 more on groceries
World Elite Mastercard earns $99 more on dining & restaurants
$400 welcome bonus advantage

Groceries: +$256Dining & Restaurants: +$99Bills & Utilities: +$48

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

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

$1,468

/first year

3.5% effective$122/mo

vs 1% no-fee card: +$1,049

Annual rewards earned+$1,098

Welcome bonus+$400

First-year fee waiver+$150

FX costs−$30

Annual fee−$150

Best for your spendingWorld Elite Mastercard—$1,468Year 1 value

+$885 more than Odyssey World Elite Mastercard

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The Bottom Line

World Elite Mastercard wins by $885/yr — strongest in groceries

World Elite Mastercard earns $256 more on groceries
World Elite Mastercard earns $99 more on dining & restaurants
$400 welcome bonus advantage

Groceries: +$256Dining & Restaurants: +$99Bills & Utilities: +$48

Showing Year 1 analysis

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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