Highlights
- No annual fee for either the Basic or Additional Card
- Earn 1 Brim point per CAD 2 on ordinary eligible purchases; participating merchants may offer different Open Rewards rates
- Foreign or non-CAD transaction fee of 1.5%
- Includes purchase protection, extended warranty, mobile-device insurance and common-carrier accident insurance
Issuer: Brim Financial
Network: Mastercard
Card type: Credit card
Annual fee: CAD 0 for the Basic Card; CAD 0 for an Additional Card
Foreign transaction fee: 1.5%
Rewards are issued as Brim points through Brim Open Rewards. The website’s normal redemption rate is 100 points = CAD 1, which can be used against eligible purchases or as statement-credit cashback. Only the primary Cardmember can redeem points.
Welcome offer
[Updated August 24, 2026] Earn up to $500 in Brim points when you use the Brim Card for the first time at participating merchants.
- First use of the Brim Card at participating merchants: up to $500 in Brim points.
Eligibility: The application flow clearly requires Canadian residency and age of majority in the province of residence. The flow lists personal income of at least CAD 80,000 or household income of at least CAD 150,000 only for the World Elite Card; it does not list that threshold for the Brim Mastercard.
Apply through the official website 🔗
Everyday earning
Open Rewards: Selected merchant partners may offer accelerated points per CAD 1 or a multiple of the base earn rate. Check each offer’s terms. The offer replaces, rather than stacks on top of, the ordinary base reward. The programme terms say Open Rewards points are uncapped.
0.5x: Net Purchases in Canadian dollars earn 1 Brim point per CAD 2. Returns and merchant credits reverse points. Cash advances, cash-like transactions, balance transfers, convenience cheques, interest, fees and account payments are not eligible purchases.
Benefits and insurance
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Installment Pay
The website currently lists 12-, 16-, 20- or 24-month instalments for purchases over CAD 500. The page shows a one-time instalment fee plus a monthly processing fee of CAD 4.75 per CAD 1,000 (0.475%); the actual offer, eligibility and fees depend on the terms shown when you apply.
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Additional Cardmembers and Family Card
The comparison page lists a CAD 0 fee for Additional Cards. The primary Cardmember can manage Additional Cards and spending limits in the Portal or App. Points from all Additional Card spending accrue to the primary account.
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Real-time notifications and spend monitoring
The website lists a free mobile App, real-time transaction notifications, an interactive budgeting tool and spending tracking. Spending can be viewed and managed in the Portal or App.
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 100,000 per insured person and CAD 300,000 for all insured persons combined for the same accident. Charge the full fare and applicable taxes to the Card, or use rewards with the taxes and fees charged to the Card. The account must be in good standing, and the loss must occur within one year of the accident. This coverage is unavailable to Quebec residents.
Notify Allianz as soon as possible after an accident. 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 accident.
Purchase insurance
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Purchase Security Insurance
A new item is covered for theft or damage during the first 90 days after purchase when a Canadian resident charges the full price to the Card, or uses rewards with taxes and fees 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 mailing or transportation, cash, gift cards, used items, wear and tear and business-use property are excluded.
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Extended Warranty Insurance
An eligible item’s original manufacturer’s warranty can be doubled for up to one additional year, and 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 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 depreciated value, repair or replacement cost, and CAD 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 it must be activated with a Canadian wireless provider; coverage begins on the 91st day after purchase and lasts up to two years. For an instalment purchase, a Canadian wireless provider must provide the contract and every monthly wireless 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.
Other updates
[Updated March 15, 2024] A negative overhaul downgraded the Card:
- Everyday rewards fell from 1% to 0.5%.
- A foreign transaction fee and balance-transfer fee were added; both had previously been 0% and are now 1.5%.
