Highlights
- Canada’s only Air France-KLM co-branded card
- The website advertises up to 30 Miles per CAD 1 at Flying Blue Rewards merchant partners; participating merchants and rates depend on the offer page at the time
- Travel coverage includes emergency medical, trip cancellation/interruption, flight delay and rental-car collision/loss damage insurance, along with mobile-device and purchase protection
Issuer: Brim Financial
Network: Mastercard
Card type: Credit card
Annual fee: Free for the Basic Card in the first year, then CAD 132; CAD 50 for an Additional Card
Foreign transaction fee: 2.5%
The Card earns Flying Blue Miles. Miles are used for Flying Blue rewards, and redemption rules and award availability depend on the Flying Blue terms in effect at the time.
XP are status points, not redeemable Miles.
Related reading
Flying Blue: An introduction to the loyalty programme
Welcome offer
[Updated August 24, 2026] 60 XP (status points) plus a first-year annual-fee waiver, with no airline-mile welcome bonus:
- New Basic Cardmembers receive a 60 XP welcome bonus.
- The website lists 30 XP on each renewal anniversary.
Apply through the official website 🔗
Eligibility shown in the application flow: Canadian resident, age of majority in the province of residence, personal income of at least CAD 80,000 or household income of at least CAD 150,000, and a Flying Blue membership number. If you are not yet a member, you can join Flying Blue before returning to the application flow.
Past welcome offers
[Updated April 20, 2024] 60,000 Miles:
- 10,000 Miles after the first purchase
- Another 10,000 Miles after $5,000 in spending during the first year
- Another 10,000 Miles after a further $10,000 in spending during the first year
- 30,000 Miles after holding the Card for one year
[Updated February 15, 2024] First-year annual-fee waiver plus 100 XP, equivalent to Flying Blue Silver status
Everyday earning
Up to 30x: Earn up to 30 Flying Blue Miles per CAD 1 at merchant partners in Flying Blue Rewards.
2x: Earn 2 Flying Blue Miles per CAD 1 on eligible restaurant and bar purchases.
1x: Earn 1 Flying Blue Mile per CAD 1 on other eligible purchases.
5x: Flying Blue members earn an additional 5 Miles per EUR 1 when purchasing Air France or KLM tickets.
Benefits and insurance
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Virtual Card and digital wallets
A virtual Card is available after approval. The product page also lists online virtual cards, Additional Cardmembers, spending limits, real-time notifications, online and international-transaction controls, and support for Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
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Mastercard Travel Pass access
Use Mastercard Travel Pass to access airport lounges regardless of frequent-flyer status or ticket class. There are no complimentary visits; the Card is charged USD 32 per person per visit.
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Air France and KLM Flight Miles Accelerator
The product page shows Flying Blue members earning an additional 5 Miles per EUR 1 on Air France and KLM flight purchases, excluding government taxes and fees. Eligibility, fare rules and membership-tier conditions follow the Flying Blue page in effect at the time.
Travel insurance
Official insurance certificate 🔗
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Common Carrier Insurance
Accidental death or dismemberment while boarding, travelling on or leaving a licensed common carrier is covered up to CAD 150,000 per insured person. The full car, boat or airline ticket must be charged to the Card, and the account must be in good standing. The certificate says this coverage is unavailable to Quebec residents.
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Emergency Medical Insurance
Reasonable and customary emergency medical expenses caused by a sudden, unforeseeable event outside the province or territory of residence are covered up to CAD 5,000,000 per insured person per trip. The maximum trip length is 15 consecutive days for travellers aged 64 or under on departure and three consecutive days for those aged 65 or older. Pre-existing-condition stability, pregnancy, alcohol use and high-risk activities can affect coverage. Contact Allianz before emergency treatment where possible; in a serious case, contact it within 24 hours of hospital admission and before surgery. The certificate’s 24/7 medical assistance is unavailable to Quebec residents.
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Car Rental – Collision/Loss Damage Insurance
Covers theft or damage to a rental vehicle, eligible towing and loss of use. The rental period may not exceed 48 consecutive days, and the vehicle MSRP may not exceed CAD 85,000. Charge the entire rental to the Card and decline the rental company’s LDW or similar coverage. Vehicle, regional and other exclusions are set out in the certificate.
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Trip Cancellation/Trip Interruption Insurance
For a covered reason, trip cancellation is covered up to CAD 2,000 per insured person per trip and CAD 5,000 for the same trip combined. Interruption or delay is covered up to CAD 5,000 per insured person per trip and CAD 25,000 for the same trip combined. The application page says prepaid, non-refundable and non-transferable travel arrangements must be charged to the Card; illness, death and other covered reasons must occur as defined in the certificate.
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Flight Delay Insurance
When a scheduled commercial flight arrives or departs more than four hours late, additional reasonable accommodation and transportation expenses caused by a covered reason are covered up to CAD 500 per person and CAD 1,000 per trip combined. Entertainment expenses have a separate CAD 100 limit for all insured persons combined. A strike must begin after the first deposit or booking date. Flights already cancelled by the airline before departure and prepaid expenses are excluded.
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Baggage Insurance
The full fare, including applicable taxes, must be charged to the Card before departure, and the account must be in good standing. Lost, stolen or accidentally damaged checked or carry-on baggage is covered up to CAD 1,000 per person, CAD 2,000 per trip combined and CAD 500 per item. If outbound checked baggage is delayed more than six hours before reaching the destination, essential items can be purchased up to CAD 500 per person and CAD 1,000 per trip combined, provided they are purchased within 36 hours of arrival. Jewellery, cameras, electronics and other items are excluded. This coverage is unavailable to Quebec residents.
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Hotel Burglary Insurance
Personal property lost, stolen or damaged because of a burglary at travel accommodation during the stay is covered up to CAD 2,500 per occurrence for all insured persons combined. The full accommodation cost and applicable taxes must be charged to the Card. The insured person must be a Canadian resident and the account must be in good standing. Cash, tickets, consumables and unexplained loss are excluded. This coverage is unavailable to Quebec residents.
Travel coverage is underwritten by CUMIS General Insurance Company and administered by Allianz Global Assistance. The application page warns that new Quebec applicants do not receive travel insurance. Notify Allianz as soon as possible after a loss; the certificate generally requires notice within 30 days and written proof of loss within 90 days, with both deadlines no later than one year after the incident.
Purchase insurance
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Purchase Security Insurance
For a Canadian resident, a new item is covered for theft or damage during the first 90 days after purchase when the full price is charged to the Card, or the item is purchased with Card rewards and applicable taxes or fees are charged to the Card. The limit is CAD 1,000 per account per 12 consecutive months, with a CAD 60,000 lifetime maximum shared with extended warranty coverage. Loss, items while held by a third party for delivery or transportation, cash and gift cards are excluded.
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Extended Warranty Insurance
When the full purchase price is charged to the Card and the account is in good standing, an eligible original manufacturer’s warranty can be doubled for up to one additional year. The original warranty must be valid in Canada. The limit is CAD 25,000 per account per 12 consecutive months, with a CAD 60,000 lifetime maximum shared with Purchase Security. If the original warranty lasts more than five years, register with CUMIS or Allianz within one year of purchase. Lifetime warranties and coverage after a manufacturer goes out of business are excluded.
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Mobile Device Insurance
For a lost, stolen or accidentally damaged phone, the limit per claim is the lowest of the device’s depreciated value, the repair or replacement cost, and CAD 1,500, less a 10% deductible. There is at most one claim per account in 12 consecutive months and two in 48 months. For a full-price purchase, the Card must pay for the device and a cellular device must be activated with a Canadian wireless provider; coverage begins on the 91st day after purchase and lasts up to two years. For a financed purchase, a Canadian wireless provider must provide the contract and every monthly bill during the contract must be charged to the Card. Obtain Allianz approval before repairing damage. After loss or theft, notify the wireless provider to suspend service within 48 hours, and report theft to the police within seven days.
