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Best Brim Credit Cards in Canada for November 2025
Published Nov 25, 2025 1:02 PM • 3 min read
Fact Checked
Written By
Lead Writer
Edited By
Credit Card ExpertThere are two Brim credit cards in Canada. Both cards offer plenty of coverage, including rare event ticket cancellation insurance, plus low foreign transaction fees. Choose between the paid World Elite Mastercard or the no-fee alternative.
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BRIM World Elite Mastercard: Best Overall
BRIM Mastercard: Best No-Fee Alternative
Best Brim Credit Cards in Canada
The Brim World Elite Mastercard offers solid insurance coverage, foreign transaction savings, and partner bonuses, but its 1% cash back rate may not justify the $89 annual fee, especially considering the negative customer service feedback. If you shop frequently with Brim’s retail partners or travel internationally, the waived foreign exchange fee and Wi-Fi perks could make it worth considering.
Pros
- Redeem points towards any purchase made to the card.
- 1.5% foreign exchange fee, which is lower than most other cards.
- Strong insurance package, covering 13 types of insurance including mobile device coverage, trip cancellation, and rental car insurance.
- Global Boingo Wi-Fi access.
- Advanced card security features, including card locking and instant transaction notifications.
Cons
- Only 1% cash back, which is low for a World Elite Mastercard.
- High income requirements ($80,000 personal or $150,000 household).
- Poor customer service reviews.
Rewards
- 1x point per $1 spent on all eligible purchases, where each point equals to $0.01, equivalent to a 1% cash back
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Event Ticket Cancellation
$1,000
Mobile Device Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
15 daysTravel Medical Insurance (65+)
3 days
Trip Interruption
$5,000
Trip Cancellation
$2,000
Flight Delay
$500Baggage Delay
$500
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$2,500.svg)
Car Rental Damage & Theft
yes
Benefits
Details
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspot worldwide
Low Foreign Transaction Fees
Foreign transaction fee of only 1.5% compared to 2.5% with most other credit cards
Eligibility
Credit Score
Very GoodAnnual Income
$80,000 personal or $150,000 household
Pros
- No annual fee: The Brim Mastercard comes with no annual fee, making it a budget-friendly option for everyday use.
- Low foreign transaction fees: Rare for a no-fee card, this feature allows you to only pay 1.5% on foreign exchange transactions compared to the usual 2.5% charged by other cards.
- Wide acceptance of mobile wallets: Supports five mobile wallets, including Apple Pay, Google Pay, and Samsung Pay.
- Access to bonus rewards: Earn up to 30% cash back with Brim’s network of over 250 retail partners.
- Event ticket cancellation insurance: A unique feature that covers cancellations of tickets for events like concerts or sports games.
- Complimentary Boingo Wi-Fi: Free access to over 1 million global Wi-Fi hotspots.
Cons
- Low earn rate: Only 0.5% cash back on all purchases, which is below the average for no-fee cards.
- Poor customer service reviews: Many users report frustrating experiences with Brim’s customer service.
- Basic insurance coverage: Offers only five types of insurance, lacking comprehensive travel protection available with other cards.
- High foreign exchange fees: Some users report a return of foreign exchange fees, impacting the card’s value for international use.
Rewards
- 0.5x point per $1 spent on all eligible purchases, where each point equals to $0.005, equivalent to a 0.5% cash back
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearCommon Carrier Travel Accident Insurance
$300,000Event Ticket Cancellation
$1,000Mobile Device Insurance
$500
Benefits
Details
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspot worldwideLow Foreign Transaction Fees
Foreign transaction fee of only 1.5% compared to 2.5% with most other credit cards
Eligibility
Credit Score
Very GoodAnnual Income
N/A
From our editors: The Best Brim Credit Cards in Canada
Best Overall: BRIM World Elite Mastercard
The BRIM World Elite Mastercard offers a simple way to collect cashback on all eligible purchases. This straightforward rewards program is paired with comprehensive coverage, including trip interruption and trip cancellation insurance, hotel burglary insurance, and rare event ticket cancellation insurance. For benefits, expect access to over 1 million Boingo Wi-Fi hotspots and low foreign transaction fees.
To browse credit cards with absolutely no foreign transaction fees, check out our Best No Foreign Transaction Fee Credit Cards in Canada post. For more details on the BRIM World Elite Mastercard specifically, read our BRIM World Elite Mastercard Review.
Best No-Fee Alternative: BRIM Mastercard
For no annual fee, you can opt for the BRIM Mastercard instead. This alternative still earns you some cashback on all eligible purchases, plus important coverage categories like travel accident, event ticket cancellation, and mobile device insurance. Perks include access to the Boingo Wi-Fi hotspot and low foreign transaction fees.
Interested in learning more about top no-annual-fee credit cards? Check out our Best No Fee Credit Cards in Canada article. For more information on the BRIM Mastercard, see our BRIM Mastercard Review.
Pros and Cons of Brim Credit Cards
Here's a quick look at the overall benefits and drawbacks of Brim credit cards:
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How to Apply for Brim Credit Cards
To apply for either Brim credit card above, simply tap the "Apply Now" button beneath either card profiles. Afterwards, you'll be redirected to the Brim Financial official website to begin the application process. Credit card applications typically ask for personal information (like your email, birthdate, and address) and financial information (such as your income, when applicable).
Frequently Asked Questions
Brim Financial is a fintech company that collaborates with banks, credit unions, and large brands to give customers a hassle-free spending experience. Essentially, Brim is an evolved financial platform for both banking and cards.
If you want a simple credit card that includes comprehensive insurance and low foreign transaction fees, then a Brim credit card could be for you.
Yes. Brim credit cards still have foreign transaction fees but these fees are lower than the average credit card. With a Brim credit card, foreign transaction fees are only 1.5% instead of 2.5%.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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