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BRIM World Elite Mastercard Review
The Bottom Line
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.
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on Brim Financial's website
Welcome Bonus
N/A
Rewards Rate
1%
Cash Back
Annual Fee
$89
Interest Rates
19.99% / 21.50%
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
Travel Accident
$500,000
Emergency Out of province Medical
15 daysEmergency Medical Over 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
Card Details
Interest Rates
Purchase APR
19.99%
Cash Advance APR
21.50%
Balance Transfer APR
19.99%
Fees
Annual Fee
$89
Additional Cards
$50
Eligibility
Minimum Individual Income
$80,000
Minimum Household Income
$150,000
Credit Score Estimate
Very Good
Type
Card Type
Credit
Reward Type
Cash Back
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.
Get personalized rewards estimates — see exactly how much you could earn.
BRIM World Elite Mastercard Cash Back Calculator
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on Brim Financial's website