Brim World Elite Mastercard

The Brim World Elite Mastercard offers modest rewards and features lower-than-standard foreign transaction fees.

There is currently no welcome bonus available on this card.

The Brim World Elite Mastercard has an annual fee of $89, while additional cards cost $50 apiece.

This card offers a tiered rewards structure:

• Up to 30 points per dollar spent at select Brim partners
• 1 point per dollar 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.

Otherwise, the card's baseline earning rate isn't particularly notable when compared to other cash back cards on the Canadian market.

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% foreign transaction fee. Previously, it had no foreign transaction fees as one of its mainstay features, which was one of the primary reasons to get the card.

As a World Elite Mastercard, you'll automatically get a DragonPass membership (although without any free visits included).

As the premium card in the Brim line-up, this card offers comprehensive insurance a cut above the other Brim cards.

Here are a few features that make the Brim World Elite Mastercard stand out:

• Car rental insurance up to $85,000 MSRP
• Generous coverage for trip cancellation or trip interruption
• Hotel burglary insurance

You'll also get mobile device protection for loss, theft, or damage. That type of coverage is still quite uncommon, although it's slowly showing up on more credit cards.