A niche but unique card: nothing else in Canada earns Flying Blue XP, making it worthwhile for SkyTeam frequent flyers, though everyday earn rates are middling.
At a glance
Annual fee
$132
Welcome bonus
~$132
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
miles
Purchase APR
19.99%
Rewards & earn rates
Air France & KLM flights5 bonus Flying Blue miles per euro spent on Air France/KLM flights
5x
Restaurants & bars
2x
Everything elseUp to 30 miles per $1 at select Brim merchant partners
1x
Welcome offer: 60 Flying Blue XP in the first year (30 welcome bonus XP plus 30 annual XP) and the $132 first-year annual fee waived; value shown reflects the fee rebate as XP have no fixed cash value (Approval for the card).
Pros & cons
Pros
Only Canadian card earning Flying Blue miles and XP directly
Annual 30 XP makes Silver status maintenance dramatically easier
First year free with a 60 XP welcome boost
Cons
Weak 1x base earn rate
XP-focused value proposition only matters to Air France/KLM loyalists
2.5% FX fee on a card aimed at international travellers
Perks & insurance
Key perks
30 Flying Blue XP every year on renewal — a shortcut to Flying Blue Elite status
5x Flying Blue miles per euro on Air France and KLM flight purchases
Up to 30x miles at Brim Financial merchant partners
DragonPass lounge membership (visits paid per entry)
Additional cards $50/year
Insurance
Rates & fees
Annual fee
$132
Purchase interest
19.99%
Cash advance
21.5%
Foreign transactions
2.5%
Min. personal income
$80,000
First year free under the current offer.
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
