Brim Financial
Brim World Elite Mastercard
Still open to new applicants as of August 2026 - Brim continues to issue this card, though on materially reduced terms versus its original launch. $89 annual fee, $50 per additional card. Earn 1 point per $1 on every purchase, plus up to 30% back at 250+ partner merchants. World Elite package of travel and purchase protections including emergency medical, trip cancellation, delayed baggage and mobile device coverage. Important: the former 0% foreign transaction fee was replaced with 1.5% in May 2024 and earn rates were halved; the annual fee was cut from $199 to $89 at the same time. Requires $80,000 personal or $150,000 household income. Travel insurance unavailable to new Quebec applicants.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$89
Purchase rate
19.99% (purchases)
FX fee
Not stated by issuer
Grace period
Not stated by issuer
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 1 point per $1 spent plus up to 30% back in points through Brim Open Rewards at participating merchants
- points never expire and redeem as cash back from 100 points ($1)
- premium coverage including emergency medical, trip cancellation, delayed baggage and mobile device protection
- 1.5% foreign transaction fee
Rates & fees
| Annual fee | $89 |
|---|---|
| Supplementary card fee | $50 per additional card |
| Purchase APR | 19.99% (purchases) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 21.50% (balance transfers treated as cash advances; interest from transaction date) |
| Balance transfer fee | Treated as a cash advance: $3.50 in Canada, $5.00 outside Canada |
| Cash advance | $3.50 in Canada; $5.00 outside Canada |
| Foreign exchange fee | Not stated by issuer |
| Grace period | Not stated by issuer |
| Network | Mastercard (World Elite) |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.