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If you’re torn between choosing a cash back credit card or a rewards credit card, the Brim Mastercard might be for you. This credit card offers the best of both worlds - points can be turned into cash back dollars or used towards a number of redeemable rewards. 

Brim Mastercard’s $0 foreign transaction fees and global WiFi access also make it a great option for frequent travellers. 


  • No additional fees are charged on foreign transactions
  • Free WiFi
  • Earn rewards


  • Low Reward Rates - cardholders earn a maximum of 1% in points on all purchases.
  • Limited Insurance - Brim Mastercard offers few insurance perks, lacking more than ten of the insurance types included with Brim World Mastercard and Brim World Elite Mastercard.
  • Experience - Brim Financial was founded in 2015, making it a considerably new financial institution when compared to more established credit card issuers.



    • Card type: Credit card
    • Betalnätverk: Mastercard
    • Yearly fee: 0 CA$
    • Age limit: 18
    • Interest rate: 0,00 %
    • Max credit: Ingen kreditgräns
    • Minimum amount to pay:
    • Interest free days: 21
    • Foreign Currency Conversion Fee: 0,00 %

    About Brim Mastercard 

    Rewards & Cash Back

    With a Brim Mastercard, rewards can be calculated as points or cash back dollars. This is how rewards are earned:

    • 1 point per dollar spent or
    • 1% cash back 

    As a result, 1 point is equal to $0.01. For example, if you spend $100 you earn 100 points. This is equivalent to $1 cash back. 

    Unlike other credit cards, Brim Mastercard does not limit the amount of cash back dollars you can earn. This gives cardholders the freedom to spend and redeem without limitation. 

    Brim Mastercard cardholders can earn more points when shopping at featured stores. 

    Examples of retailers that will earn you extra points include:

    • Frank and Oak - 10%
    • Lululemon - 10%
    • Sonos - 8%
    • Contiki - 15%

    Once you’ve earned points, they can be redeemed for any of the following rewards:

    • Cash back
    • Groceries
    • Concerts
    • Gas, and more

    Brim doesn’t restrict reward redemption. This means that you can redeem points or cash back whenever and wherever you’d like.


    When it comes to travelling, having a Brim Mastercard offers the following benefits to enhance your vacation:

    • Free WiFi at over one million hotspots around the world through Boingo Wireless
    • $0 foreign transaction fees when using the card outside of Canada or online. Currency exchange rates still apply.


    The Brim Mastercard offers the following types of insurance to cardholders:

    • Common Carrier Accident Insurance
    • Mobile Device Insurance
    • Event Ticket Protector Insurance
    • Extended Warranties
    • Purchase Security Insurance

    Common Carrier Accident Insurance

    When you pay for land, air or water transportation using your Brim Mastercard, you’ll receive insurance covering accidental death or dismemberment. 

    Coverage amounts include:

    • $100,000 per insured party - the cardholder, their spouse and eligible dependent children are covered when all tickets are purchased using the credit card.
    • $300,000 per accident - maximum coverage for all insured parties.

    Mobile Device Insurance

    You can receive up to $500 to repair or replace your mobile device if it is lost, damaged or stolen. This insurance is offered only if the mobile device was purchased using your Brim Mastercard.

    Event Ticket Protector Insurance

    If you buy an event ticket with your Brim Mastercard and cannot attend, due to approved reasons, you may be reimbursed for up to $1,000.

    Extended Warranty

    Brim Mastercard offers an additional 1 year of extended warranty on top of the manufacturer’s warranty. 

    For example, if you buy a new dishwasher and it comes with a 1-year warranty, Brim Mastercard’s extended warranty will ensure you are covered for 2 years. This warranty covers $25,000 per cardholder on purchases made with Brim Mastercard.

    Purchase Security Insurance

    This coverage allows you to seek reimbursement or replacement for items purchased on your Brim Mastercard. This insurance can be claimed if an item is stolen or damaged within 90 days of purchase. Purchase security insurance covers up to $1,000 per incidence. 

    For example, if you buy a new pair of sunglasses with your card and accidentally bend or break them two weeks after buying them, you can make a claim and receive a replacement pair or reimbursement.

    Convenient Payments

    Brim Mastercard offers convenience by allowing cardholders to pay using the following methods:

    • Google Pay
    • Apple Pay
    • Samsung Pay
    • Fitbit Pay
    • Garmin Pay