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Mr. Loonie
Brim Mastercard®

Brim Mastercard®

7.9
Good
Expert Score · 5 reviews How we score

Best for: Travellers who want a lower foreign transaction fee with no annual fee

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Points you’d earn
15,000
points in the first year. We haven’t set a dollar value for them yet.
See how we worked it out
Annual fee
None
Apply now on Brim’s site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Brim’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

What you’d earn Can I get it? Fees Similar cards
From the numbers

The good and the bad

Stands out

  • Good: No annual fee It costs nothing to keep.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

We haven’t set a value for points yet, so the bars show points.

  • Groceries 4,800
    0.5 point per $1 $800 a month · 4,800 points a year
  • Restaurants 1,500
    0.5 point per $1 $250 a month · 1,500 points a year
  • Gas 1,500
    0.5 point per $1 $250 a month · 1,500 points a year
  • Recurring bills 1,500
    0.5 point per $1 $250 a month · 1,500 points a year
  • Travel 900
    0.5 point per $1 $150 a month · 900 points a year
  • Everything else 3,900
    0.5 point per $1 $650 a month · 3,900 points a year
  • Foreign currency 900
    0.5 point per $1 $150 a month · 900 points a year
What counts in each category
Everything else (base rate)
0.5 point per $1

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.9
Good
Expert Score How we score
  • Money.ca (opens in a new tab) Mar 2025
    6

    “If you’re not looking for the highest earn rate, the Brim Financial Mastercard can be a reasonable choice, as it comes with other notable benefits. Keep in mind that Brim Financial is known for having a not-so-stellar customer service team. Don’t forget to check out the best no-annual fee credit cards in Canada before you make your decision.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “The Brim Mastercard is one of the best no-fee credit cards in the market. Although it may lack various features, it offers excellent benefits that other no-fee credit cards do not provide. Frequent travelers can take advantage of its free access to Boingo Wi-Fi worldwide.”

  • Finder (opens in a new tab) Aug 2022

    “The Brim Mastercard lets you earn points for shopping in-store or online through the Brim eShop. You can access over 250 offers through Brim’s online app and earn up to 1 points per dollar spent at select retailers. The Brim Mastercard also comes with a host of benefits including free Wi-Fi, no foreign transaction fees, zero-interest financing, mobile device protection, common carrier insurance and online budgeting tools.”

  • SAVVY New Canadians (opens in a new tab) Aug 2022
    9

    “The Brim Financial Mastercard is a no-annual-fee credit card with perks that are hard to beat for an entry-level card offering. You earn 1% in points you can redeem for anything and don’t have to pay foreign currency transaction fees when you shop abroad. This card also offers automatic rewards when you shop at the hundreds of retailers featured on Brim eShop, plus $200+ in first-time bonuses.”

  • creditcardGenius (opens in a new tab) Apr 2022
    10

    “Earn unlimited rewards with Brim Financial Mastercard – 1% in rewards on every dollar spent. Plus, enjoy 0% foreign transaction fees, no annual fee, and complimentary Boingo Wi-Fi. You’ll earn a straightforward 1% cash back on all purchases. Plus, for a limited time you can earn up to $200 worth of rewards in first-time bonuses after your first purchases with participating partners.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Mobile device $500 per device
  • Installment pay
  • Free Global Wi-Fi
  • Interactive budgeting tool and spend monitoring\
  • Mobile device insurance
  • Event ticket protector insurance
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Brim’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and car rental damage.

Fees and interest

What it costs

Annual fee
None
Purchase interest
19.99%
Cash advance interest
21.5%
Foreign currency fee
1.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Balance transfer fee
$0.00
Over-limit fee
None
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
19.99%

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: — year one, — every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Brim Mastercard®?

There is no annual fee.

Does it charge a foreign transaction fee?

Yes, 1.5% on purchases in other currencies.

What is the interest rate?

19.99% on purchases. Cash advances are 21.5%.

Does it include insurance?

It lists extended warranty, purchase protection, mobile device insurance and event ticket protector insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

15,000
points
Apply now on Brim’s site (opens in a new tab)
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