
Card Details
Interest Rates
Purchase: 19.99%
Cash Advance: 21.50%
Balance Transfer: 19.99%
Annual Fees
Main Card: $89
Additional Cards: $50
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Card & Reward Type
Card Type: Credit
Reward Type: Cash Back
Our Rating
1.9/5
Institution
Brim Financial
Rewards
- 1x point per $1 spent on all eligible purchases, where each point equals to $0.01, equivalent to a 1% cash back
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 yearEvent Ticket Cancellation
$1,000Mobile Device Insurance
$1,500Travel Accident
$500,000Emergency Out of province Medical
15 daysEmergency Medical Over 65
3 daysTrip Interruption
$5,000Trip Cancellation
$2,000Flight Delay
$500Baggage Delay
$500Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$2,500Car Rental Damage & Theft
yes
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
Pros & Cons
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.