Independent ClearFin review · Brim Financial
Start with up to $200 in Welcome Bonus.
Current new-cardmember offer
Confirm with the issuer
🆓 No-Fee BrimIts strongest published earn rate in our data is 0.50% on dining. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueHow to earn it
Available to new Brim Standard Mastercard cardholders who meet the promotional requirements. Account must remain open and in good standing. Terms and conditions apply.
Confirm final approval criteria and current rates directly with the issuer.
Applicants typically have the strongest approval odds with a good to very good credit profile. While the Brim Standard Mastercard has no published income requirement and is more accessible than premium cards, a solid credit history generally improves approval chances.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on industry data and cardholder reports. Brim Financial does not publish a minimum credit score requirement, and approval decisions consider additional factors such as income, credit history, existing debt, payment history, and overall creditworthiness.
Reward limits: Brim Standard Mastercard does not impose published annual or monthly earning caps on its base rewards structure. Cardholders earn 1 Brim Reward point for every $2 spent on eligible purchases. Brim Open Rewards and Brim Marketplace offers are advertised as uncapped and unlimited, allowing cardholders to continue earning bonus rewards through participating merchant offers without disclosed spending limits. Certain promotional merchant offers may have their own terms and conditions.
Redemption values and availability may vary by option and can change.
Redeem the card's rewards through the issuer's current rewards program.
Available options, minimums, transfer access, and redemption values vary; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
Brim Open Rewards
Earn unlimited rewards and redeem points against any eligible purchase, travel expense, online transaction, or statement balance at a fixed value of 1 cent per point.
Flexible Cashback Redemptions
Redeem points as cashback toward your statement balance at any time, with redemptions starting at just 100 points.
Brim Marketplace Offers
Access exclusive merchant offers, accelerated earn opportunities, redemption multipliers, and bonus point promotions through the Brim Marketplace.
Mobile Device Insurance
Coverage for eligible mobile devices against accidental damage, theft, or loss, up to $500.
Purchase Security
Eligible purchases are protected against accidental loss, theft, or damage for up to 90 days from the purchase date.
Extended Warranty
Automatically doubles the manufacturer's original warranty on eligible purchases for up to one additional year.
Common Carrier Accident Insurance
Coverage for accidental death or dismemberment while travelling on eligible common carriers when fares are charged to the card.
Installment Pay
Convert eligible purchases over $500 into fixed monthly installment payments directly through the Brim app or online portal.
Family Card Controls
Add family members, set spending limits, monitor transactions, and receive real-time purchase notifications.
Real-Time Purchase Notifications
Receive instant notifications whenever your card is used, helping monitor spending and identify unauthorized transactions.
Budgeting and Spending Tools
Track spending habits, create budgets, monitor categories, and receive alerts when approaching spending limits.
Card Lock and Security Controls
Instantly lock or unlock your card and block online or foreign transactions directly from the Brim mobile app.
Digital Card Access
Receive virtual card details immediately after approval and begin online purchases before your physical card arrives.
Mobile Wallet Compatibility
Compatible with Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and Fitbit Pay for contactless payments.
Zero Liability Protection
Protection against unauthorized transactions made with your card if it is lost, stolen, or used fraudulently.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
1 Brim point per $2 on all purchases. No annual fee. 1.5% foreign transaction fee.
Dining, Groceries, Gas, Travel, Everything else receive the strongest estimated return at 0.50%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on dining and groceries and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
