$0
Annual fee
Last updated: March 18, 2024
The Brim Mastercard has clearly curated its target audience to be millennials with a trendy smartphone app and partner-based rewards, but it can still appeal to other demographics. Its unique features help it stand out in a competitive marketplace for cards with no annual fee.
Annual Fee
Free
Additional Card
Free
A no-fee, no-bonus structure makes this a permanent wallet fixture rather than a signup play – ideal as a secondary card or for beginners who want travel perks without annual fee anxiety.
| Category | Rate |
|---|---|
| All Purchases | 0.5× |
At just 0.5%, the base earn rate is weak – use this card exclusively at Brim partner merchants where you'll unlock elevated rates, not for everyday spend.
With no transfer partners and a fixed 1-cent valuation, Brim Rewards offers cash-like simplicity but zero ability to unlock outsized value through strategic redemptions.
1.5% foreign transaction fee (vs standard 2.5%)
GeneralMobile device protection
GeneralMobile device protection and event ticket insurance provide practical safeguards rare among no-fee cards, while the complimentary Boingo Wi-Fi membership delivers genuine travel value by securing your connection across a million global hotspots – particularly useful for avoiding roaming charges during layovers.
Underwritten by Royal & Sun Alliance Insurance Company of Canada
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | Not included | — |
| Baggage Delay | Not included | — |
| Baggage Loss | Not included | — |
| Rental Car (CDW/LDW) | Not included | — |
| Travel Accident | $100,000 | — |
| Purchase Protection | $25,000/year | 90-day coverage |
| Extended Warranty | +1 year | — |
| Mobile Device | Included | $500/claim |
View Certificate of Insurance (PDF)
No travel medical or trip coverage here – you'll need a companion card or standalone policy for any trip beyond your home province.
Last updated: March 18, 2024
