Compare Brim Financial credit cards

A Brim credit card lets you earn up to 1 points per dollar spent for first-time or repeat visits with eligible Brim partners. You’ll also earn points at a flat rate when you spend money with non-Brim partners, which varies depending on which card you have.

You can also take advantage of a number of benefits that are included automatically with every Brim credit card: zero foreign transaction fees, custom security features, free global WiFi, premium and unique insurances (mobile device protector insurance and event ticket protection insurance), mobile wallets, flexible payment options, a sleek app, and more.

How do Brim Financial credit cards work?

Brim offers three main credit cards and each one comes with different fees, benefits and rewards. For each card, you’ll earn between one and two points for every dollar you spend on everyday purchases with non-Brim partners. You’ll also get the chance to earn accelerated rewards for first-time or regular purchases with the stores featured in the Brim mobile app.

You’ll get a redemption rate of $0.01 for every point you earn, which is a fairly average return when compared to similar providers. However, you may be able to earn up to 1 points per dollar spent on special offers, which means your cash will rack up much faster, plus 2x the points on subscription services like Netflix and Spotify and sites such as Lululemon, Nike, Sonos, Avis, Budget and more. These points can be redeemed to pay off specific transactions or your overall credit card balance.

What is Brim Financial?

Brim Financial is pushing the boundaries of traditional banking to better meet the needs of its customers. It is the first non-bank credit card issuer in Canada and is fully licensed by Mastercard. Brim designed and built its entire platform and embedded Brim Rewards from the ground up and offers an award-winning digital platform available both online and in the Brim app. Available for iOS and Android, you’ll use the Brim app to manage your Brim credit card and redeem your points for rewards.

What types of Brim credit cards exist?

Brim Financial offers three main credit cards. These cards come with different fees, features and benefits. Here’s a detailed breakdown of these Brim credit cards:

Comparing the Brim Financial credit card line

1. Brim Mastercard

The Brim Mastercard is a no annual fee card that lets you earn points everywhere you spend, plus up to 30% back in points with over 250 merchant partner offers for recurring visits to eligible Brim retailers. It also comes with plenty of perks such as mobile device insurance, detailed budget tracking, embedded Installment Pay, zero-interest financing plans and 0% foreign transaction fees.

The main downside of this card is that it doesn’t come with comprehensive travel insurance or travel perks such as lounge access. If you want these features, you’ll have to sign up for a Brim World Elite Mastercard.

Feature	Brim Mastercard	Brim World Elite Mastercard
Annual fee	$0	$199 (but first year’s fee waived)
Additional card fee	$0	$50
Points per dollar (plus up to 30% back in points with Brim Rewards)	1 point	2 points
Maximum spend to earn rewards	N/A	$25,000 (then lowers to 1 point per $1 spent)
Compatible with mobile wallet	Yes (Google Pay, Samsung Pay, Apple Pay, Fitbit Pay, and Garmin Pay)	Yes (Google Pay, Samsung Pay, Apple Pay, Fitbit Pay, and Garmin Pay)
Value of first-time bonus points	$200	$500
Basic perks	Zero foreign transaction fees Free global Wi-Fi Interest-free financing (with a fee) Budgeting tools Access to the Brim Mobile app Brim family cards Instant security features	Zero foreign transaction fees Free global Wi-Fi Interest-free financing (with a fee) Budgeting tools Access to the Brim Mobile app Brim family cards Instant security features
Basic insurance coverage	Purchase protection Extended warranty Common carrier insurance Mobile device insurance Event ticket protector insurance	Purchase protection Extended warranty Common carrier insurance Mobile device insurance Event ticket protector insurance
Travel insurance coverage	N/A	Travel medical Flight delay Baggage insurance Hotel burglary insurance Rental car insurance Trip cancellation Trip interruption
Other benefits	N/A	Airport lounge access Travel assistance

Pros	Cons
No annual fee Unlimited point earning with Brim Rewards 0% FX fees No spending caps Embedded Installment Pay Easy to qualify	Low return on points compared to cards with annual fees No comprehensive travel insurance

2. Brim World Elite Mastercard

The Brim World Elite Mastercard is an innovative credit card that lets you earn more points when you spend with participating merchants in Brim Rewards. You’ll earn 2 Brim Rewards for every dollar you spend on your card with non-brim retailers, and up to $500 in first time bonus points when you shop with participating partners.

This card comes with a number of perks such as travel insurance, airport lounge access, mobile device insurance, no foreign transaction fees and free global Wi-Fi. The main downside of this card is that it comes with a fee of $199 per year.

Pros	Cons
Brim Rewards Up to 30% back in points and $500 in first time bonus offers 2% everywhere else you spend 0% FX fees Free global WiFi Embedded Installment Pay Easy to qualify Multiple forms of insurance and higher levels of coverage	High annual fee Spending cap of $25,000 for rewards. (Above 25K spend, still earn 1% on all purchases since Brim rewards are uncapped). Additional cards cost more

How to apply for a Brim credit card?

1. Visit Brim’s website and click on “Get Brim” in the upper right-hand corner of the page.
2. Enter your personal information, such as your name, email address and birth date.
3. Submit details about your current employment and annual income.
4. Select the Brim card you want and hit submit to file your application.

Brim rewards program

Brim lets you earn accelerated rewards when you shop regularly at eligible stores. You may be rewarded for first-time or return visits when you make purchases with Brim partners. You’ll be able to shop with Brim partners both online and in-store, depending on your preferences.

To redeem your rewards, you can apply them as a credit to your Brim account to help pay off your balance. You can also use your points to pay for select purchases by choosing the items on your statement that you want to pay off and swiping them to the side.

How does Brim keep my credit card information secure?

Brim has state-of-the-art security systems in place to protect your card information. It offers data encryption and two-factor authentication, along with immediate fraud notifications if there’s any suspicious activity on your account. You can also set up real-time push notifications to get an alert whenever a purchase is made on your card. You have complete flexibility to redeem your points on anything, anytime. Points may be redeemed against a specific transaction or as cash back towards your statement balance.

Brim also offers in-app security features that you can activate immediately if you have any concerns. These include built-in toggles that let you lock your card or block access for online or foreign purchases.

Bottom line

Brim Financial offers three main credit cards to meet every set of financial needs. These cards come with a range of perks and benefits, including zero foreign transaction fees, free global Wi-Fi, mobile device insurance and access to interest-free financing. More premium cards also come with comprehensive travel insurance and a suite of travel perks. Use this post to compare Brim Financial credit cards and learn which one might be the best fit for you.

Frequently asked questions about Brim credit cards

• What makes Brim credit cards unique?

  Brim credit cards are unique because they offer a wide range of perks and benefits. These include Brim Rewards, no foreign transaction fees, free global Wi-Fi, purchase protection, extended warranty coverage, mobile device insurance and common carrier insurance. This is way more than what most credit cards offer as a basic level of coverage.

• Which Brim credit card is the best fit for me?

  That depends on how much income you make as well as what types of purchases you want to earn accelerated rewards for. You can compare Brim Financial credit cards using the table above to figure out which card is the best fit for your unique set of needs.

• Do Brim Financial credit cards come with security features?

  Yes. Brim Financial offers in-app features to prevent misuse of your card. It also keeps your information safe with data encryption, two-factor authentication and fraudulent activity alerts on your account.

• What would prevent me from qualifying for a Brim credit card?

  You won't be able to qualify for a Brim credit card if you're not a Canadian citizen or resident who is over the age of majority in your province or territory. You also may not be able to qualify if you've struggled with bankruptcy or a consumer proposal in recent years.

• Can I apply for a Brim Financial credit card online?

  Yes. You can apply online for the card of your choice by visiting the page for the card you're interested in. From there, you'll need to click "Get Brim" and answer some basic questions to see if you qualify.

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