Brim Mastercard

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.

There is currently no welcome bonus available on the card.

The card has no annual fee, making it a good long-term keeper for anyone.

This card offers a tiered rewards structure:

• Up to 30 points per dollar spent at select Brim partners
• 1 point per $2 spent on all other purchases

If you shop a lot at partner stores, you can take advantage of special offers in the Brim app. In particular, look for Milestone Bonuses from specific vendors in the Brim Marketplace.

Also, you're eligible for the same partner bonuses that you'd get with the higher-tier Brim cards. If you shop a lot at those stores, you don't need to shell out a large annual fee, or have a high income, to benefit.

Even if you don't shop much at Brim's partners, you'll still earn rewards at other stores.

Brim Rewards can be redeemed at a rate of 1 cent per point at any time as a statement credit. Given how easy it is to redeem points, it's safe to say they're equivalent to cash back.

Redeem your points by clicking the “Redeem” button next to your transactions in the Brim Portal in the app.

This card charges a 1.5% fee for foreign transactions. While that's lower than the standard 2.5%, the Brim Mastercard used to offer no foreign transaction fees, which was one of the main reasons to get the card.

You'll get a Boingo Wi-Fi membership as a cardholder, a nice perk that's usually only seen on higher-tier Mastercards.