rewardsno fee
3.4Rated by the CreditCardGuru Editorial Team A modern no-fee card whose appeal rests on the 1.5% FX fee, Boingo Wi-Fi, and partner offers rather than its modest 0.5% base earn rate.
At a glance
- Annual fee
- No annual fee
- Foreign tx fee
- 1.5%
- Network
- MASTERCARD
- Rewards
- points
- Purchase APR
- 19.99%
Rewards & earn rates
| All purchases1 point per $2 spent; up to 30 points per $1 at select Brim partners | 0.5x |
Pros & cons
Pros
- Low 1.5% FX fee and mobile device coverage on a no-fee card
- Accessible $15,000 income requirement
Cons
- Weak 0.5% base earn rate
- Value depends heavily on shopping at Brim partners
- No welcome bonus
Perks & insurance
Key perks
- Reduced 1.5% foreign transaction fee (vs. the standard 2.5%)
- Up to 30x points at Brim partner merchants via the Brim app
- Free Boingo Wi-Fi membership at over 1 million hotspots
- Free supplementary cards
- Easy point redemption as statement credits at 1 cent per point
Insurance
- Mobile device protection
- Mastercard Zero Liability
Rates & fees
- Annual fee
- None
- Purchase interest
- 19.99%
- Cash advance
- 21.5%
- Foreign transactions
- 1.5%
- Min. personal income
- $15,000
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
