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

Bonuses & 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.

Earning Rewards

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

Brim's partners range from large brands to small local businesses. You can check which vendors are eligible for bonus rewards in the Brim app. You can read more about Brim's individual partnerships program on their website. 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.

Redeeming Rewards

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.

Perks & Benefits

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).

Insurance Coverage

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

Notably, Brim offers event ticket protector insurance, a unique policy that's not seen on any other credit cards. If you can't attend an event due to one of the covered reasons (such as emergency medical or common carrier accident), you'll be reimbursed for the cost of your event tickets up to $1,000. 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.