The ClearFin bottom line
💳 Brim Rewards
Its strongest published earn rate in our data is 1.0% on dining. The $89 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · Brim Financial
Brim World Elite Mastercard
Start with up to $1,000 in Value.
Independent comparisonFees includedCanadian card data
- Annual fee
- $89
- Reward type
- Brim Rewards
- Welcome offer
- 1,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
💳 Brim Rewards
Welcome bonus
Up to $1,000 in Value
How to earn it
- Up to 100,000 Brim Rewards pointsMeet the eligible spending requirements during the welcome offer period.
Offer details
Available to new Brim World Elite Mastercard cardholders who meet the promotional requirements. Account must remain open and in good standing. Terms and conditions apply.
How you earn
- 1 Brim Reward point per $1 spent on all eligible purchases
- Accelerated earning opportunities through Brim Open Rewards partner offers
- Bonus point multipliers available through the Brim Marketplace at participating merchants
- Milestone and loyalty-based reward accelerators at participating retailers
- Unlimited point earning with no published annual earning caps
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$89
Purchase interest19.99%
Cash advance interestConfirmCheck current issuer rate
Foreign transaction fee1.5%
Income requirement$80,000Issuer approval criteria apply
Household income$150,000Alternative minimum
Recommended credit score725+ Good to Very Good
Applicants typically have the strongest approval odds with a good to very good credit profile. As a World Elite Mastercard with premium travel insurance benefits and minimum income requirements, successful applicants generally have established credit histories and strong credit management habits.
300Poor
560Fair
660Good
725+Very Good
760Excellent
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. Applicants must also meet the card's minimum income requirements.
Reward limits: The Brim World Elite Mastercard has no published annual or monthly earning caps. Cardholders earn 1 Brim Reward point per $1 spent on all eligible purchases. Brim Open Rewards and Brim Marketplace offers are advertised as uncapped and unlimited, allowing cardholders to earn accelerated rewards and bonus point multipliers at participating merchants without disclosed spending limits. Certain promotional merchant offers may have their own individual terms and conditions.
Using your rewards
Redemption options
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.
Beyond the points
Benefits that come with the card
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.
Mastercard Travel Pass
Receive Mastercard Travel Pass membership through DragonPass, providing access to participating airport lounges worldwide at a preferred cardholder rate.
Out-of-Province Emergency Medical Insurance
Coverage of up to $5 million per insured person for eligible emergency medical expenses while travelling outside your home province.
Trip Cancellation Insurance
Coverage for eligible prepaid travel expenses that become non-refundable due to covered events before departure.
Trip Interruption Insurance
Coverage for eligible unused prepaid travel arrangements and additional transportation costs when a covered event interrupts a trip.
Flight Delay Insurance
Reimbursement for eligible meals, accommodations, and other expenses when a covered flight delay exceeds the required waiting period.
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Baggage Delay Insurance
Coverage for necessary clothing and personal items when checked baggage is delayed by an airline.
Lost or Stolen Baggage Insurance
Coverage for eligible lost, stolen, or damaged baggage and personal effects while travelling.
Hotel Burglary Insurance
Protection against theft or damage to personal belongings when a hotel room is burglarized during an eligible trip.
Car Rental Collision and Loss Damage Insurance
Coverage against theft, loss, or damage to eligible rental vehicles when the full rental cost is charged to the card.
Travel Assistance Services
Access emergency travel support services, including assistance with lost documents, emergency cash arrangements, legal referrals, and travel information.
Mobile Device Insurance
Coverage for eligible smartphones and tablets against accidental damage, theft, or loss, up to $1,500.
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.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
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 ↗The verdict
What we like
- Strongest rewards may help offset the $89 annual fee
- Up to 1.0% in its strongest spending category
- Brim Open Rewards
Worth noting
- $89 annual fee
- 1.5% foreign transaction fee
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
💳 Brim Rewards
1 Brim point per $1 on all purchases. Premium World Elite benefits.
How the rewards work
Dining, Groceries, Gas, Travel, Everything else receive the strongest estimated return at 1.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $8,900 in annual spending at that rate would equal the $89 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
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.
Other cards to examine
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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.