
Sign up & start saving!
Our monthly newsletter is launching soon with the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
You can also take advantage of a number of benefits that are included automatically with every card. These include 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.
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 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.
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:
Feature | |||
---|---|---|---|
Annual fee | $0 | $99 | $199 (but first year’s fee waived) |
Additional card fee | $0 | $20 | $50 |
Points per dollar (plus up to 30% back in points with Brim Rewards) | point | points | points |
Maximum spend to earn rewards | N/A | $ (then lowers to 1 point per $1 spent) | $ (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) | Yes (Google Pay, Samsung Pay, Apple Pay, Fitbit Pay, and Garmin Pay) |
Value of first-time bonus points | $200 | $300 | $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 | 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 | 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 | 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 | Airport lounge access Travel assistance |
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 Mastercard or Brim World Elite Mastercard.
Pros | Cons |
---|---|
|
|
The Brim World Mastercard is an all-in-one travel and cash back credit card that lets you earn points whenever you shop. You’ll earn Brim Rewards for every dollar you spend on your card and over $300 in first time bonus offers, plus up to points per dollar when you shop with eligible partners.
This card comes with a suite of travel insurance as well as mobile phone protection and other special perks. The main downside of this card is that it comes with a fee of $99 per year and it doesn’t include trip interruption/cancellation insurance.
Pros | Cons |
---|---|
|
|
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 Brim Rewards for every dollar you spend on your card with non-brim retailers, plus up to points with Brim partners, 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 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, with returns reaching up to points per dollar spent with some offers. 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.
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.
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.
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.
Enjoy comprehensive travel and mobile phone insurance, and earn more rewards when you shop for deals in the Brim Marketplace.
Enjoy multiple forms of insurance and a top return on points with this premium credit card.
Tap into Digital Rewards with the Brim Financial Mastercard. Learn more about benefits and see if you’re eligible.