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Compare Brim Financial credit cards

Compare the Brim credit card line to find the best combination of rewards and benefits for your unique financial situation and lifestyle.

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.

FeatureBrim MastercardBrim 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

ProsCons
  • 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.

ProsCons
  • 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.

Which merchants does Brim work with?

You can use your Brim credit card to make purchases in-store and online. Some partners include Walmart, Alibaba, Frank and Oak, Lululemon, Nike, Ollie Quinn and Patagonia. You can earn accelerated rewards with some vendors by shopping in-store while others will only reward you for shopping online through the Brim eShop.

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

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