Brim World Mastercard

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.

This card currently comes without a welcome bonus.

The annual fee of $99 is not waived for the first year. In fact, if you can qualify on the basis of your income, you'd be better off applying for the superior Brim World Elite Mastercard, which has an annual fee of $89 and better insurance.

You can add authorized users at no additional cost.

This card offers a tiered rewards structure:

• Up to 30 Brim Rewards points per dollar spent on select Brim partners
• 1 Brim Rewards point per $2 spent elsewhere

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, this card doesn't have a competitive earning rate, which is in fact the same on the Brim Mastercard, which comes with no annual fee.

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 comes with a 1.5% foreign transaction fee, which is less than the standard 2.5%. However, since other cards don't levy foreign transaction fees, you're better off applying for one of them instead, especially since this card doesn't have particularly strong earning rates or other features.

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