{"id":890105,"date":"2020-12-02T09:41:18","date_gmt":"2020-12-02T14:41:18","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=890105"},"modified":"2025-05-01T11:21:51","modified_gmt":"2025-05-01T15:21:51","slug":"brim-financial","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/brim-financial","title":{"rendered":"Compare Brim Financial credit cards"},"content":{"rendered":"<p>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&#8217;ll also earn points at a flat rate when you spend money with non-Brim partners, which varies depending on which card you have.<\/p><p>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.<\/p><h3>How do Brim Financial credit cards work?<\/h3><p>Brim offers three main credit cards and each one comes with different fees, benefits and rewards. For each card, you&#8217;ll earn between one and two points for every dollar you spend on everyday purchases with non-Brim partners. You&#8217;ll also get the chance to earn accelerated rewards for first-time or regular purchases with the stores featured in the Brim mobile app.<\/p><p>You&#8217;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.<\/p><h3>What is Brim Financial?<\/h3>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&#8217;ll use the Brim app to manage your Brim credit card and redeem your points for rewards.<\/p><h3>What types of Brim credit cards exist?<\/h3><p class=\"p1\">Brim Financial offers three main credit cards. These cards come with different fees, features and benefits. Here&#8217;s a detailed breakdown of these Brim credit cards:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 20%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 40%;\" scope=\"col\">Brim Mastercard<\/th><th style=\"text-align: left; width: 40%;\" scope=\"col\">Brim World Elite Mastercard<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><p class=\"p1\">Annual fee<\/p><\/td><td><p class=\"p1\">$0<\/td><td><p class=\"p1\">$89<\/td><\/tr><tr><td><p class=\"p1\">Additional card fee<\/p><\/td><td><p class=\"p1\">$0<\/td><td><p class=\"p1\">$50<\/td><\/tr><tr><td><p class=\"p1\">Points per dollar (plus up to 30% back in points with Brim Rewards)<\/p><\/td><td><p class=\"p1\">0.5 point<\/p><\/td><td><p class=\"p1\">1 points<\/p><\/td><\/tr><tr><td><p class=\"p1\">Maximum spend to earn rewards<\/p><\/td><td><p class=\"p1\">N\/A<\/p><\/td><td><p class=\"p1\">$25,000 (then lowers to 1 point per $1 spent)<\/p><\/td><\/tr><tr><td><p class=\"p1\">Compatible with mobile wallet<\/p><\/td><td><p class=\"p1\">Yes (Google Pay, Samsung Pay, Apple Pay, Fitbit Pay, and Garmin Pay)<\/p><\/td><td><p class=\"p1\">Yes (Google Pay, Samsung Pay, Apple Pay, Fitbit Pay, and Garmin Pay)<\/p><\/td><\/tr><tr><td><p class=\"p1\">Value of first-time bonus points<\/p><\/td><td><p class=\"p1\">$200<\/td><td><p class=\"p1\">$500<\/td><\/tr><tr><td><p class=\"p1\">Basic perks<\/p><\/td><td><p class=\"p1\">Zero foreign transaction fees<\/p><p class=\"p1\">Free global Wi-Fi<\/p><p class=\"p1\">Interest-free financing (with a fee)<\/p><p class=\"p1\">Budgeting tools<\/p><p class=\"p1\">Access to the Brim Mobile app<\/p><p>Brim family cards<\/p><p>Instant security features<\/td><td><p class=\"p1\">Zero foreign transaction fees<\/p><p class=\"p1\">Free global Wi-Fi<\/p><p class=\"p1\">Interest-free financing (with a fee)<\/p><p class=\"p1\">Budgeting tools<\/p><p class=\"p1\">Access to the Brim Mobile app<\/p><p>Brim family cards<\/p><p>Instant security features<\/td><\/tr><tr><td><p class=\"p1\">Basic insurance coverage<\/p><\/td><td><p class=\"p1\">Purchase protection<\/p><p class=\"p1\">Extended warranty<\/p><p class=\"p1\">Common carrier insurance<\/p><p class=\"p1\">Mobile device insurance<\/p><p class=\"p1\">Event ticket protector insurance<\/p><\/td><td><p class=\"p1\">Purchase protection<\/p><p class=\"p1\">Extended warranty<\/p><p class=\"p1\">Common carrier insurance<\/p><p class=\"p1\">Mobile device insurance<\/p><p class=\"p1\">Event ticket protector insurance<\/p><\/td><\/tr><tr><td><p class=\"p1\">Travel insurance coverage<\/p><\/td><td><p class=\"p1\">N\/A<\/p><\/td><td><p class=\"p1\">Travel medical<\/p><p class=\"p1\">Flight delay<\/p><p class=\"p1\">Baggage insurance<\/p><p class=\"p1\">Hotel burglary insurance<\/p><p class=\"p1\">Rental car insurance<\/p><p class=\"p1\">Trip cancellation<\/p><p class=\"p1\">Trip interruption<\/p><\/td><\/tr><tr><td><p class=\"p1\">Other benefits<span class=\"Apple-tab-span\"> <\/span><\/p><\/td><td><p class=\"p1\">N\/A<\/p><\/td><td><p class=\"p1\">Airport lounge access<\/p><p class=\"p1\">Travel assistance<\/p><\/td><\/tr><\/tbody><\/table><h3>Comparing the Brim Financial credit card line<\/h3><h4 class=\"p1\">1. Brim Mastercard<\/h4><p class=\"p1\">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.<\/p><p class=\"p1\">The main downside of this card is that it doesn&#8217;t come with comprehensive travel insurance or travel perks such as lounge access. If you want these features, you&#8217;ll have to sign up for a <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/brim-financial\" rel=\"noopener noreferrer\">Brim World Elite Mastercard<\/a>.<\/p><table class=\" custom-table js-custom-table\" width=\"541\"><thead><tr><th>Pros<\/th><th>Cons<\/th><\/tr><\/thead><tbody><tr><td><ul class=\"list-4\"><li class=\"p1\">No annual fee<\/li><li class=\"p1\"><\/li><li class=\"p1\">Unlimited point earning with Brim Rewards<\/li><li class=\"p1\"><\/li><li class=\"p1\">0% FX fees<\/li><li class=\"p1\">No spending caps<\/li><li><\/li><li class=\"p1\">Embedded Installment Pay<\/li><li class=\"p1\">Easy to qualify<\/li><\/ul><\/td><td><ul class=\"list-13\"><li class=\"p1\">Low return on points compared to cards with annual fees<\/li><li class=\"p1\">No comprehensive travel insurance<\/li><\/ul><\/td><\/tr><\/tbody><\/table><h3 class=\"p1\">2. <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/brim-financial\" rel=\"noopener noreferrer\">Brim World Elite Mastercard<\/a><\/h3><p class=\"p1\">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&#8217;ll earn 1 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.<\/p><p class=\"p1\">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 $89 per year.<\/p><table class=\" custom-table js-custom-table\" width=\"534\"><thead><tr><th>Pros<\/th><th>Cons<\/th><\/tr><\/thead><tbody><tr><td><ul class=\"list-4\"><li><\/li><li class=\"p1\">Brim Rewards<\/li><li class=\"p1\"><\/li><li class=\"p1\">Up to 30% back in points and $500 in first time bonus offers<\/li><li class=\"p1\"><\/li><li class=\"p1\">2% everywhere else you spend<\/li><li class=\"p1\"><\/li><li class=\"p1\">0% FX fees<\/li><li class=\"p1\"><\/li><li class=\"p1\">Free global WiFi<\/li><li class=\"p1\"><\/li><li class=\"p1\">Embedded Installment Pay<\/li><li class=\"p1\"><\/li><li class=\"p1\">Easy to qualify<\/li><li class=\"p1\">Multiple forms of insurance and higher levels of coverage<\/li><\/ul><\/td><td><ul class=\"list-13\"><li class=\"p1\">High annual fee<\/li><li class=\"p1\">Spending cap of $25,000 for rewards. (Above 25K spend, still earn 1% on all purchases since Brim rewards are uncapped).<\/li><li class=\"p1\">Additional cards cost more<\/li><\/ul><\/td><\/tr><\/tbody><\/table><h3>How to apply for a Brim credit card?<\/h3><ol><li class=\"p1\">Visit Brim&#8217;s website and click on &#8220;Get Brim&#8221; in the upper right-hand corner of the page.<\/li><li class=\"p1\">Enter your personal information, such as your name, email address and birth date.<\/li><li class=\"p1\">Submit details about your current employment and annual income.<\/li><li class=\"p1\">Select the Brim card you want and hit submit to file your application.<\/li><\/ol><h3>Brim rewards program<\/h3><p>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&#8217;ll be able to shop with Brim partners both online and in-store, depending on your preferences.<\/p><p class=\"p1\">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.<\/p><div class=\"content-area-light-blue has-padding-small has-padding-top-large\"><h4 class=\"p1\">Which merchants does Brim work with?<\/h4><p>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.<\/p><\/div><h3>How does Brim keep my credit card information secure?<\/h3><p class=\"p1\">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&#8217;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.<\/p><p class=\"p1\">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.<\/p><h3>Bottom line<\/h3><p class=\"p1\">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.<\/p><h3>Frequently asked questions about Brim credit cards<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">What makes Brim credit cards unique?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>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.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Which Brim credit card is the best fit for me? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>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.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Do Brim Financial credit cards come with security features? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>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.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What would prevent me from qualifying for a Brim credit card? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>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.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can I apply for a Brim Financial credit card online? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>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.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Get a host of perks and benefits when you sign up for one of Brim\u2019s basic or premium credit cards.\u00a0<\/p>\n","protected":false},"author":474,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/brim-financial","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[91],"tags":[38353],"asset_tag":[],"class_list":["post-890105","post","type-post","status-publish","format-standard","hentry","category-credit-cards","tag-reward-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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