brim mastercard

BRIM Mastercard

1.4/5

Apply Now

brim mastercard

BRIM Mastercard

Apply Now

Rewards Calculator Algorithm

You can estimate your rewards by inputting your monthly or yearly spending habits.

Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.


Your Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$2,000

Restaurant, Fast Food & Coffee Shop

$

Grocery

$

Recurring Purchases (Bills, Subscriptions, Rent via Chexy)

$

Gas

$

Transportation

$

Entertainment (Movies, Concerts, etc.)

$

Foreign Purchases (Non $CAD)

$

Travel (Flights, Hotels, etc.)

$

Pharmacy

$

Online Shopping

$

Home Improvement (Renovation, Furniture)

$

Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Purchases Not Specified

$

Card Details

Based on $2,000 spending

First Year Value

$120

$120 in years after

Annual Rewards

$120

First Year Bonus

$0

Annual Fee

$0

First Year Value

$120

Interest Rates

Cash Advance: 21.50%

Purchase: 19.99%

Balance Transfer: 19.99%

Annual Fee

$0

Annual Income

Personal: N/A

Household: N/A

Credit Score

Very Good

Welcome Bonus

N/A

Card Type

Cash Back

Our Rating

1.4/5

Institution

Brim Financial

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

BRIM Mastercard Cash Back Calculator

Based on $2,000 spending


Rewards Breakdown

All purchases

$120


Net Annual Rewards

$120

Rewards Summary

Net Annual Rewards

$120


First Year Card Bonus

$0


First Year Card Value

$120

Insurance & Benefits


Insurance

Coverage

  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    1 year
  • heart lock

    Travel Accident

    $300,000
  • event ticket

    Event Ticket Cancellation

    $1,000
  • mobile device insurance

    Mobile Device Insurance

    $500

Benefits

Details

  • wifi signal

    Boingo Wi-Fi hotspot

    over 1 million Boingo Wifi hotspot worldwide
  • exchange money

    Low Foreign Transaction Fees

    Foreign transaction fee of only 1.5% compared to 2.5% with most other credit cards

Pros & Cons


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.

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