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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
Finly Rating
1.9/5
Institution
Brim Financial
How You Earn Rewards
- 1x point per $1 spent on all eligible purchases, where each point equals to $0.01, equivalent to a 1% cash back
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Event Ticket Cancellation
$1,000
Mobile Device Insurance
$1,500
Travel Accident
$500,000
Emergency Medical Term
15 daysEmergency Medical (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
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.