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Card Details
Interest Rates
Purchase: 19.99%
Cash Advance: 21.50%
Balance Transfer: 19.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Our Rating
1.4/5
Institution
Brim Financial
How You Earn 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
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
Travel Accident
$300,000
Event Ticket Cancellation
$1,000
Mobile Device Insurance
$500
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
- 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.