Brim Mastercard (Brim Standard)
Skip for nowWhat the roles mean
- No-fee backup card at 0.5% back, plus in-app merchant offers
Official site shows "Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants." This is a soft merchant-discount ceiling, not a guaranteed cash bonus — independent trackers (CreditCardGenius) list the actual cash welcome bonus as $0.
Checked on Brim's own page October 21, 2026. See Brim's page
What it earns in a year
15,000 points a year
Worth about $150.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Everything else: 0.5× points.
Using your points
On the spending above, 15,000 points a year, worth $150.
- What a point buys (1¢): Statement credit. Same value however you redeem
How to apply for the Brim Mastercard (Brim Standard)
- Check you qualify Income: $15,000 personal. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Brim's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Brim's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Everyday spending: put it on another card. This one pays 0.5%
- Brim app offers: activate them before you shop; they are the only way to earn more than 0.5%
- Travel abroad: 1.5% foreign-currency fee, lower than the usual 2.5% but not free
- Example: $1,600/month of household spending = $96 a year
Key facts
- Annual fee
- $0
- Purchase interest
- 19.99%
- Foreign currency fee
- 1.5%
- Min. personal income
- $15,000
- Min. household income
- None published
- Rewards
- Brim RewardsSee every Brim Rewards card
Annual fee waiver
- No annual fee
From brimfinancial.com, checked October 17, 2026. Not an affiliate link.
More Brim cards
Pros
- No annual fee, free family cards
- Points are worth 1¢ each and go toward any purchase from 100 points ($1); they do not expire while the account is open
- 1.5% foreign-currency fee (most cards charge 2.5%)
- $500 phone insurance
- Installment Pay: split purchases of $500+ into 0% payments over 12–24 months (a flat fee may apply)
Cons
- 0.5% on everything, no bonus categories
- No real welcome bonus: "up to $500" is a ceiling on merchant offers, not cash
- Brim's 0% foreign-currency fee ended May 18, 2024
- No travel medical, trip or rental-car insurance
Insurance included
- Phone: up to $500 for loss, theft or damage
- Purchases: up to $1,000 per claim, 90 days
- Extended warranty: doubles the maker's warranty, up to +1 year ($25,000 cap)
- Travel accident: $100,000 per person on fares charged to the card
Maximums as Brim lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Brim offers: bonus points at partner stores and an in-app shopping portal
- Installment Pay: 0% payments over 12–24 months on $500+
- Wallets: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
- Virtual card: issued instantly; card lock and real-time alerts
How the offer has changed
One row per check of Brim's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | No dated sign-up bonus. Footnote: "Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants"Unchanged: $0 fee, 1 pt per $2, 1.5% FX and the comparison chart match | $0 | none stated |
| October 17, 2026 | No dated sign-up bonus. Footnote: "Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants"Unchanged. The doc URL now redirects to brimfinancial.com/credit-cards/brim-standard (one shared page for both Brim cards) | $0 | none stated |
General information, not financial advice. Offers change; confirm on Brim's page before you apply.