Highlights
- Earn 1 Brim point per CAD 1 on ordinary eligible purchases; participating merchants may offer different Open Rewards rates
- Includes emergency medical, trip cancellation/interruption, flight delay, baggage and rental-car collision/loss damage insurance
- Foreign or non-CAD transaction fee of 1.5%
Issuer: Brim Financial
Network: Mastercard World Elite
Card type: Credit card
Annual fee: CAD 89 for the Basic Card; CAD 50 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: Canadian resident, age of majority in the province of residence, and personal income of at least CAD 80,000 or household income of at least CAD 150,000.
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.
1x: Net Purchases in Canadian dollars earn 1 Brim point per CAD 1. 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 50 fee for an Additional Card. 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 150,000 per insured person and CAD 500,000 for all insured persons combined for the same accident. Charge the full fare and applicable taxes to the Card, or use rewards with taxes and fees charged to the Card. The account must be in good standing. 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. Prepaid, non-refundable and non-transferable travel arrangements must meet the certificate’s Card-payment conditions; 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 and CAD 2,000 per trip combined. 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, subject to the certificate’s timing conditions. 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
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 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 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 major overhaul downgraded the Card:
- The annual fee fell from $199 to $89.
- The everyday reward rate fell from 2% to 1%.
- A foreign transaction fee and balance-transfer fee were added; both had previously been 0 and are now 1.5%.
