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

The Rewards World Elite has a $120 annual fee, while the World Elite Mastercard charges $150/year.

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

The Rewards World Elite earns 3.5x on groceries, while the World Elite Mastercard earns 5x. The better choice depends on your grocery spending and the specific merchants you shop at.

Rewards World Elite 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 $356/yr — strongest in groceries

World Elite Mastercard earns $192 more on groceries
Rewards World Elite earns $72 more on bills & utilities
$100 welcome bonus advantage

Groceries: +$192Bills & Utilities: +$72Dining & Restaurants: +$49

Rewards World Elite: $30/yr in foreign transaction fees

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

Showing Year 1 analysis

Dollar Value

$1,112

/first year

2.7% effective$93/mo

vs 1% no-fee card: +$693

Annual rewards earned+$962

Welcome bonus+$300

FX costs−$30

Annual fee−$120

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

+$356 more than Rewards World Elite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

World Elite Mastercard wins by $356/yr — strongest in groceries

World Elite Mastercard earns $192 more on groceries
Rewards World Elite earns $72 more on bills & utilities
$100 welcome bonus advantage

Groceries: +$192Bills & Utilities: +$72Dining & Restaurants: +$49

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

Found an error? Report incorrect data