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
1x
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%)
