$89
Annual fee
First Year Free
Last updated: February 13, 2026
The Brim World Elite Mastercard offers modest rewards and features lower-than-standard foreign transaction fees.
Annual Fee
$89
First Year
Free
Additional Card
$50/year
The waived first-year fee with zero welcome bonus is a rare structure in the Canadian market – you're trading immediate gratification for a risk-free trial of the card's ongoing benefits. This appeals if you value the foreign exchange savings and insurance coverage enough to evaluate them without an upfront points windfall.
Travellers planning international spending in year one can offset future fees through avoided foreign transaction charges alone, but you're starting behind compared to competitors offering both fee waivers and substantial bonuses. The calculus shifts heavily in Brim's favour only if you prioritize predictable perks over maximizing first-year points velocity.
| Category | Rate |
|---|---|
| All Purchases | 1× |
Brim's flat base rate falls well behind leading cash back cards – the value proposition hinges entirely on activating Marketplace offers before each purchase. If you don't shop participating retailers or won't engage with the app-first workflow, you're earning less than basic alternatives.
Use this tactically when you've stacked a strong offer, not as a daily driver. Organized spenders who align big-ticket retail purchases with active promotions can extract value; passive users will leave money on the table.
With Brim's fixed 1.0 cent-per-point value and no transfer partners, redemption strategy collapses to a single decision: apply points at checkout or take statement credit. There's no sweet spot hunting, no partner arbitrage – just cash-back mechanics wearing a points label.
This ceiling makes Brim a convenience play, not an optimization tool. If you're chasing aspirational redemptions through transfer partners or outsized value on premium cabins, you're in the wrong program – Aeroplan and Membership Rewards exist for that reason.
1.5% foreign transaction fee (vs standard 2.5%)
GeneralMobile device protection
GeneralWorld Elite Mastercard status brings DragonPass membership, but without complimentary lounge visits – you'll need to purchase passes separately or leverage elite status from another product. The mobile device and event ticket insurance are niche but genuinely useful if you buy concert or sporting tickets on this card, providing coverage for cancellations or postponements that can save hundreds when events fall through.
Beyond these basics, the perk package is sparse. If you're evaluating Brim for benefits rather than its earning structure, you'll find more compelling World Elite options elsewhere in the Canadian market.
Underwritten by Royal & Sun Alliance Insurance Company of Canada
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | $5,000,000 | 15 days · 3 days (65+) · Cardmember, spouse, and dependent children traveling outside their province |
| Trip Cancellation | $2,000 | $5,000/trip · charge required · Points-based trips receive cash value reimbursement instead of reinstatement |
| Trip Interruption | $5,000/person | $25,000/trip · charge required |
| Trip Delay | $1,000 | 4-hour minimum · Reasonable living expenses (meals, accommodation) up to $500/day for flight delay or missed connection lasting over 4 hours |
| Baggage Delay | $1,000 | 6-hour minimum |
| Baggage Loss | $1,000/person | $2,000 total |
| Rental Car | Included | Primary CDW · MSRP ≤ $85,000 · up to 48 days |
| Travel Accident | $150,000 | — |
| Purchase Protection | Included | — |
| Extended Warranty | Included | — |
| Mobile Device | Included | — |
Pre-Existing Conditions
90-day stability period required (180 days for 65+)
View Certificate of Insurance (PDF)
Emergency medical coverage is robust at $5 million, and the primary rental car CDW (up to $85,000 MSRP) saves you from filing claims through your own auto insurer – a meaningful convenience edge over secondary coverage.
Trip interruption is generous at $5,000 per person, though the 90-day pre-existing condition stability period is standard. For extended international travel, consider supplemental coverage beyond the emergency medical limits.
Last updated: February 13, 2026
