Wealthsimple Credit Card
4.4·No-fee, no-FX everyday cash back — especially for Wealthsimple clients
- Annual fee
- No annual fee
- Top reward
- 1% everything
- Rare no-fee card with no FX fees
- Flat 1% on everything, auto-invested
Rated 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
Terms & conditions
Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Brim Financial can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Brim Financial's own website before you apply.
Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Brim Financial's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.
This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.
How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.
CreditCardGuru is not affiliated with Brim Financial. Trademarks belong to their respective owners.
Similar cards to consider
Tangerine Money-Back Credit Card
4.4·No-fee cash back with customizable bonus categories
- Annual fee
- No annual fee
- Welcome bonus
- $100
- Top reward
- 2% groceries (a 2% category)
- Pick the 2% categories that match your spending
- Truly no-fee with monthly payouts
Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.
Written by
CreditCardGuru Editorial Team
Rewards & Cards Research
Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.
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Cite this page
“Brim Mastercard Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/brim-mastercard, updated June 7, 2026.