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Mr. Loonie
Brim World Elite® Mastercard

Brim World Elite® Mastercard

8.0
Very good
Expert Score · 6 reviews How we score

Best for: Travellers who want a lower foreign transaction fee and travel insurance

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
30,000
points in the first year. We haven’t set a dollar value for them yet.
See how we worked it out
Annual fee
$89 a year
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

Watch for

  • Watch for: $89 a year

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 9,600
    1 point per $1 $800 a month · 9,600 points a year
  • Restaurants 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Gas 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Recurring bills 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Travel 1,800
    1 point per $1 $150 a month · 1,800 points a year
  • Everything else 7,800
    1 point per $1 $650 a month · 7,800 points a year
  • Foreign currency 1,800
    1 point per $1 $150 a month · 1,800 points a year
What counts in each category
Everything else (base rate)
1 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

8.0
Very good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The Brim credit cards are a relatively new offering in the Canadian credit card landscape. While offering first year free, their flagship World Elite offering remains a competitive no-fee foreign transaction credit card with a competitive 2% cashback on all purchases. Their insurance package is also quite competitive, and their customer service really has made a turnaround (I just requested my credit limit to be reduced via email and they responded within 2 hours with the change). This makes it an attractive card to take with you abroad.”

  • Forbes (opens in a new tab) Apr 2023
    7.4

    “This rewards card is a decent choice for everyday spenders, but a standout card for the occasional traveller.”

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

    “Brim World Elite Mastercard is one of Canada's superb premium credit cards. Frequent travelers and individuals who often have transactions outside the country can take advantage of its zero foreign transaction fees, Mastercard programs, and Boingo Wi-Fi access. Comprehensive insurance coverage is also offered, covering purchases, travel, travel accidents, event ticket reimbursement, car rentals, and more. Cardholders can also pay their purchase worth $500 and above into flexible installment plans. However, card applicants must have a high annual income for personal or household, ranging from $80,000 to $150,000.”

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

    “While no-foreign transaction credit card options are few and far between in Canada, all three credit cards offered by Brim offer this perk, including the Brim Mastercard which is a no-fee card.”

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

    “The Brim World Elite Mastercard provides simple rewards, high insurance coverage, and no foreign exchange fees in addition to a host of other perks.”

  • Offerhub.ca (opens in a new tab) Mar 2022
    8

    “With the high annual fee, income, and spending requirements, the Brim World Elite Mastercard is a card best suited for people with higher income and who are ready to use their Brim credit card frequently enough to get to $15,000 spent annually. The travel coverage and benefits include airport lounge access, travel and medical insurance, and complimentary wi-fi available around the world. These perks will make traveling much more enjoyable as you can access wi-fi from anyone and know that your travel plans are insured. The insurance benefits cover more than travel plans, ticket reimbursements are also covered if you need to cancel a sporting event or concert. Brim World Elite Mastercard also makes it easy to control every aspect of your card from your phone. This makes it perfect for people with busy schedules who don’t have time to call their credit card company about their card. Instead, they can manage their card from wherever they are.”

What cardholders say

Ratings from people with this card

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

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Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $5,000,000 per person
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Hotel burglary Included
  • Mobile device $1,500 per device
  • Installment pay
  • Free Global Wi-Fi
  • Interactive budgeting tool and spend monitoring
  • Mastercard Travel Pass
  • Mobile device insurance
  • Event ticket protector insurance
  • Flight delay insurance
  • Baggage delay insurance
  • Lost or stolen baggage insurance
  • Hotel burglary insurance
  • Travel assistance
  • Trip cancellation insurance
  • Trip interruption insurance
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

Travel medical. Up to 15 days per trip.

Fees and interest

What it costs

Annual fee
$89 a year
Purchase interest
19.99%
Cash advance interest
21.5%
Foreign currency fee
1.5%
All fees and rates

Fees

Extra cards
$50
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 World Elite® Mastercard?

$89 a year. Each extra card costs $50.

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

30,000
points
Apply now on Brim’s site (opens in a new tab)
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