rewards

Brim® World Mastercard® review

2.8Rated by the CreditCardGuru Editorial Team

A mid-tier card that struggles to justify its $99 fee with just 1x earning; the World Elite version offers better insurance and a waived first year for less.

At a glance

Annual fee: $99
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

Unusual insurance perks like event ticket protection and mobile device coverage
Lower-than-standard FX fee

Cons

1x earn rate doesn't justify the $99 fee
No welcome bonus or first-year waiver
Brim has discontinued this card for new applicants per Prince of Travel

Perks & insurance

Key perks

Reduced 1.5% foreign transaction fee (vs. the standard 2.5%)
DragonPass airport lounge membership (discounted visits)
Free Boingo Wi-Fi membership
Free supplementary cards
Up to 30x points at Brim partner merchants

Insurance

Travel emergency medical up to $5,000,000 (8 days; not available 65+)
Flight delay up to $500/day ($1,000 max)
Baggage delay ($1,000) and baggage loss ($1,000/person)
Rental car CDW/LDW (up to 48 days, MSRP ≤ $65,000)
Travel accident ($150,000)
Purchase protection ($25,000/year) and extended warranty (+1 year)
Mobile device insurance ($1,000/claim)
Event ticket protector

Rates & fees

Annual fee: $99
Purchase interest: 19.99%
Cash advance: 21.5%
Foreign transactions: 1.5%
Min. personal income: $60,000

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

Similar cards to consider

Guru Pick American Express®

American Express® Cobalt® Card

4.8·Foodies and everyday spenders who want maximum points on dining and groceries

Annual fee: $156/yr
Welcome bonus: ~$300
Top reward: 5x eats & food delivery

Best-in-class earn rate on dining and groceries
Membership Rewards transfer to Aeroplan, Marriott & more

Suggested score 720+ · Excellent credit

Apply now View details

Guru Pick Scotiabank®

Scotiabank® Gold American Express®

4.7·Grocery shoppers and travellers who want no foreign transaction fees

Annual fee: $120/yr
Welcome bonus: ~$650
Top reward: 6x groceries

No 2.5% foreign transaction fee
6x on groceries is one of the highest in Canada

Suggested score 720+ · Excellent credit

Apply now View details

No FX fee

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 Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions.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.

200+ Canadian cards tracked
Transparent rating methodology
Updated continuously

Cite this page

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