Which has the lower annual fee, PC World or World Mastercard?

The PC World has no annual fee, while the World Mastercard charges $75/year.

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

The PC World earns 2.5x on groceries, while the World Mastercard earns 3x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

World Mastercard wins by $309/yr — strongest in dining & restaurants

World Mastercard earns $66 more on dining & restaurants
World Mastercard earns $64 more on groceries
$200 welcome bonus advantage
$75 higher annual fee, offset by rewards

Dining & Restaurants: +$66Groceries: +$64Bills & Utilities: +$48

PC World: $30/yr in foreign transaction fees

World Mastercard: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$563

/first year

1.3% effective$47/mo

vs 1% no-fee card: +$144

Annual rewards earned+$593

FX costs−$30

Annual fee−$0

Winner

$871

/first year

2.1% effective$73/mo

vs 1% no-fee card: +$453

Annual rewards earned+$776

Welcome bonus+$200

FX costs−$30

Annual fee−$75

Best for your spendingWorld Mastercard—$871Year 1 value

+$309 more than PC World

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The Bottom Line

World Mastercard wins by $309/yr — strongest in dining & restaurants

World Mastercard earns $66 more on dining & restaurants
World Mastercard earns $64 more on groceries
$200 welcome bonus advantage
$75 higher annual fee, offset by rewards

Dining & Restaurants: +$66Groceries: +$64Bills & Utilities: +$48

Showing Year 1 analysis

World 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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PC World

World Mastercard

World Mastercard wins by $309/yr — strongest in dining & restaurants

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

Data Sources

PC World

World Mastercard

World Mastercard wins by $309/yr — strongest in dining & restaurants

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

Data Sources