$99
Annual fee
Last updated: March 15, 2024
The Brim World Mastercard has unique insurance policies; however, as a mid-tier card, it's not always as obvious whether the benefits are worth the cost, compared to what you'd get with other credit cards.
Annual Fee
$99
Additional Card
Free
No welcome bonus and no fee waiver means you're paying upfront for lounge access and foreign transaction relief – a tough sell when nearly every competitor leads with a sign-up incentive.
Brim discontinued this card because the value proposition couldn't compete. If you qualify for the World Elite version, choose that instead for better insurance and a waived first year.
| Category | Rate |
|---|---|
| All Purchases | 1× |
The base earning rate is unremarkable – you'll earn more with nearly any other rewards card. This card's value lies entirely in its partner network, where bonus offers can meaningfully amplify returns if you shop at participating merchants regularly.
Check the Brim app before making larger purchases to see if you can stack a partner offer. Otherwise, reach for a different card in your wallet – the no-fee Brim Mastercard earns identically outside of partners, making the premium version tough to justify on earning power alone.
The fixed-value redemption model means you're locked into statement credit returns – functional, but incapable of the 2–5cpp upside available through transferable programs like Amex Membership Rewards or Aeroplan. You're trading optimization potential for simplicity.
Without transfer partners, you miss access to sweet spots like short-haul business class or off-peak award pricing that can multiply point value. If maximizing redemptions matters to you, this isn't a strategic earning tool – it's a straightforward cash-back proxy dressed in points language.
1.5% foreign transaction fee (vs standard 2.5%)
GeneralDragonPass membership
GeneralDragonPass membership sounds premium but only grants discounted lounge visits, not complimentary access – you're effectively getting a coupon, not a benefit. Cards like the Cobalt skip lounge access entirely but also skip the 1.5% foreign transaction fee, making them better for international spending.
Boingo Wi-Fi is genuinely useful if you work from airports or hotels abroad – over a million hotspots without hunting for passwords. It won't offset forex fees, but it's a rare practical perk.
Underwritten by Royal & Sun Alliance Insurance Company of Canada
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | $5,000,000 | 8 days · not covered (65+) · Cardmember, spouse, and dependent children travelling outside their province |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | $1,000 | 0-hour minimum · Flight delay up to $500/day for missed or delayed flights |
| Baggage Delay | $1,000 | 0-hour minimum |
| Baggage Loss | $1,000/person | $2,000 total |
| Rental Car | Included | CDW/LDW · MSRP ≤ $65,000 · up to 48 days |
| Travel Accident | $150,000 | — |
| Purchase Protection | $25,000/year | 90-day coverage |
| Extended Warranty | +1 year | — |
| Mobile Device | Included | $1,000/claim |
Pre-Existing Conditions
90-day stability period required
View Certificate of Insurance (PDF)
The emergency medical cap is low for international travel – consider supplemental coverage for trips beyond the U.S. Rental car coverage is solid, with collision/damage waiver up to $65,000 MSRP.
Event ticket protector and mobile device insurance are rare perks that set this apart from most mid-tier cards.
Last updated: March 15, 2024
