Brim World Elite Mastercard

Last updated: August 22, 2022
  • 1,000 Brim points
  • $10 First-year value
Signup bonus:
1,000 Brim points upon approval when you apply via a referral link
Annual fee:
Earning rate:
Up to 30 points per dollar spent at select Brim Partners
2 points per dollar spent on other purchases
Perks & benefits:
No foreign transaction fees
DragonPass membership
Free Boingo wifi

The Brim World Elite Mastercard has some strong features, like a high base earn rate, no foreign transaction fees, and some unique insurance policies. However, the annual fee is rather steep for what the card offers, so it’s a good idea to weigh its benefits against what you can get from other cards at a lower cost.

Bonuses & Fees

There is a welcome offer of 1,000 points (worth $10) upon approval if you apply with a referral.

The annual fee of $199 is waived for the first year. You can try out the card at no cost before committing long-term, with the option to downgrade to the no-fee version if you’d prefer.

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
  • 2 points per dollar spent on the first $25,000 spent per year
  • 1 point per dollar spent thereafter

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.

Even if you don’t shop much at Brim’s partners, you’ll still get a strong rate on all other purchases, worth 2% cash back.

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

First and foremost, Brim has made a name for themselves by charging no foreign transaction fees on all of their credit cards. That’s a welcome reprieve in a Canadian marketplace where such a perk is disappointingly hard to find.

Also, as a World Elite Mastercard, you’ll automatically get a DragonPass membership (although without any free visits included), as well as Boingo Wi-Fi.

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.

Apply Now

The Brim World Elite Mastercard has a minimum income requirement of $80,000 (personal) or $150,000 (household). As long as you meet the income requirement, it should be fairly easy to get approved.

You can follow the link below to the Brim website to learn more about this card and submit an application.

  1. LARRY

    Not recommended. I tried using Brim in Costa Rica even after setting the travel advisory and it was still blocked. Good thing I have backup HSBC World Elite and Amex. No problem with Amex at all. I have Bonvoy, Business Platinum and Aeroplan. All works without a hitch although my main card is still the HSBC WE – almost the same exchange rate as shown by Google.

  2. Elaine

    Or I should say, it doesn’t give a referral code. Does clicking through your link to their website give you/I the referral? (and leave the referral box empty?) Or is the referral code missing? I’d like to give you the referral…

  3. Elaine

    Hi Ricky
    Your referral link is not working for me.

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