Brim Mastercard

Pros & Cons

Pros

+Purchase protection included
+No annual fee

Cons

—

Our Review

The Brim Mastercard is a no-annual-fee credit card from Brim Financial, worth holding mainly for its reduced foreign transaction fees.

What the card gives you:

Foreign transaction fees reduced to 1.5% on purchases in a foreign currency, compared with 2.5% on most Canadian cards
1 point for every $2 spent, plus accelerated rates at participating merchants through Brim Rewards
No annual fee and free additional cards
A mobile app with real-time notifications, budgeting tools and a Family Card feature, along with Zero Liability protection

The annual interest rate is 19.99% on purchases and 21.5% on cash advances. Think of it as a companion card for purchases abroad rather than as your main rewards card.

Rewards

All Spending

0.5x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries0.50%

$700/month

Gas & EV0.50%

$200/month

Transit0.50%

$100/month

Restaurants0.50%

$300/month

Pharmacy0.50%

$50/month

Travel0.50%

$150/month

Bills & recurring payments0.50%

$250/month

Telecom0.50%

$150/month

Entertainment & streaming0.50%

$100/month

Office supplies0.50%

$0/month

All other spending0.50%

$500/month

Cashback earned

$150

$/yr

Estimated Value

$150

After Fees

+$150

1st Year Value

$150

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 0.50%$42

Gas & EV$2,400/yr × 0.50%$12

Transit$1,200/yr × 0.50%$6

Restaurants$3,600/yr × 0.50%$18

Pharmacy$600/yr × 0.50%$3

Travel$1,800/yr × 0.50%$9

Bills & recurring payments$3,000/yr × 0.50%$15

Telecom$1,800/yr × 0.50%$9

Entertainment & streaming$1,200/yr × 0.50%$6

All other spending$6,000/yr × 0.50%$30

Total annual spend$30,000

Monthly spend$2,500

Average earn rate on spend per year0.50%

Total cashback earned$150

Travel Insurance

Delayed Baggage

Included

Lost Baggage

Included

Flight Delay

Included

Hotel Burglary

Included

Travel Accident

Included

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Included

Fees and interest rates

Annual Fee
$0
Additional card fee
$0
Foreign currency conversion fee
1.5%
Purchase Rate
19.99%
Balance transfer rate
19.99%
Cash advance rate
21.5%

Terms & Conditions

Card Features

No annual fee, for both the primary card and additional cards
Foreign transaction fees reduced to 1.5% on purchases in a foreign currency
1 point for every $2 spent
Accelerated rates at participating merchants through Brim Rewards
Mobile app with real-time notifications, budgeting tools and a Family Card feature
Zero Liability protection