Brim World Elite Mastercard
Skip for nowWhat the roles mean
- Travel insurance on a 1% card: $5 million travel medical and trip cover for $89 a year
Official site shows the same "up to $500 in Brim points" via discounts at participating merchants — a soft merchant-offer ceiling, not a guaranteed cash bonus. Independent trackers (CreditCardGenius, Milesopedia) list the actual cash welcome bonus as $0 / none.
Checked on Brim's own page October 21, 2026. See Brim's page
What it earns in a year
30,000 points a year
Worth about $211 after the $89 fee.
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: 1× points.
Using your points
On the spending above, 30,000 points a year, worth $300.
- What a point buys (1¢): Statement credit. Same value however you redeem
How to apply for the Brim World Elite Mastercard
- Check you qualify Income: $80,000 personal or $150,000 household. 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: a category card does better. This one pays 1% on everything
- Trips: charge fares and rentals here to get the trip and rental-car cover
- Foreign currency: 1.5% fee, lower than the usual 2.5% but no longer free
- Brim app offers: activate them before you shop; they are the only way to earn more than 1%
- Example: $1,600/month of household spending = $192 back, $103 a year after the $89 fee
Posts about this card
Key facts
- Annual fee
- $89
- Purchase interest
- 19.99%
- Foreign currency fee
- 1.5%
- Min. personal income
- $80,000
- Min. household income
- $150,000
- Rewards
- Brim RewardsSee every Brim Rewards card
Annual fee waiver
- None
From brimfinancial.com, checked October 17, 2026. Not an affiliate link.
More Brim cards
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $614 a year after both fees, vs $211 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $799 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- $5 million travel medical (15 days under 65)
- Trip cancellation, interruption, flight and baggage delay cover
- $1,500 phone insurance
- 1.5% foreign-currency fee (most cards charge 2.5%)
- Points are worth 1¢ each, go toward any purchase from 100 points ($1), and do not expire while the account is open
Cons
- $89 a year, no first-year waiver
- 1% 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
- Lounge visits cost about US$32 each
- Travel insurance not offered to new applicants in Quebec
- Needs $80,000 personal or $150,000 household income
Insurance included
- Travel medical: $5 million, 15 days under 65, 3 days at 65+
- Trip cancellation: $2,000 per person ($5,000 per trip)
- Trip interruption: $5,000 per person ($25,000 per trip)
- Flight delay: $500 a day ($1,000 max), after 4 hours
- Delayed bags: $500 per person ($1,000 max), after 6 hours
- Lost or stolen bags: $1,000 per person ($2,000 max)
- Hotel burglary: $2,500
- Rental car damage: up to 48 days, cars up to $85,000
- Travel accident: $150,000 per person
- Phone: $1,500 for loss, theft or damage
- Purchases: up to $1,000 per claim, 90 days; extended warranty +1 year ($25,000 cap)
Maximums as Brim lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Mastercard Travel Pass: lounge membership included; visits are pay-per-use
- Installment Pay: 0% payments over 12–24 months on $500+ (a flat fee may apply)
- Brim offers: bonus points at partner stores and an in-app shopping portal
- Family cards: $50 each
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: $89 fee, 1 pt/$1, 1.5% FX and insurance table match | $89, no first-year waiver (+ $50 per additional card) | 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: fee, 1 pt/$1, 1.5% FX, 19.99% / 21.50% APRs and insurance table all match. Wi-Fi no longer listed in the card picker or comparison chart | $89, no first-year waiver (+ $50 per additional card) | none stated |
General information, not financial advice. Offers change; confirm on Brim's page before you apply.