rewards

Brim® World Elite Mastercard® review

3.3Rated by the CreditCardGuru Editorial Team

Brim's flagship offers an impressive insurance suite and a first-year-free fee, but its 1% effective return on spending lags well behind comparable World Elite cards.

At a glance

Annual fee: $89
Foreign tx fee: 1.5%
Network: MASTERCARD
Rewards: points
Purchase APR: 19.99%

Rewards & earn rates

All purchasesUp to 30 points per $1 at select Brim partners

Pros & cons

Pros

Comprehensive and unusual insurance lineup, including event ticket and hotel burglary coverage
First year free with a low 1.5% FX fee

Cons

1x base earning is poor for a premium card
No welcome bonus
DragonPass membership includes no free lounge visits

Perks & insurance

Key perks

First year free ($89 thereafter; additional cards $50)
Reduced 1.5% foreign transaction fee (vs. the standard 2.5%)
DragonPass airport lounge membership (discounted visits)
Up to 30x points at Brim partner merchants with Milestone Bonuses
Free Boingo Wi-Fi membership

Insurance

Rental car coverage (MSRP up to $85,000)
Trip cancellation and trip interruption
Hotel burglary insurance
Event ticket protector (up to $1,000)
Mobile device protection
Mastercard Zero Liability

Rates & fees

Annual fee: $89
Purchase interest: 19.99%
Cash advance: 21.5%
Foreign transactions: 1.5%
Min. personal income: $80,000

First year free.

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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No FX fee

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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® World Elite Mastercard® Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/brim-world-elite-mastercard, updated June 7, 2026.