Want something different in a credit card? You've come to the right place. Brim Financial offers credit cards that have some great perks, some of which aren't found on any other card in Canada.

In fact, there's a basic set of perks that are provided on all Brim cards. The only differences between them are:

  • earn rates,
  • amount of insurance coverage, and
  • annual fee.

Which one you get really depends on how much of an annual fee you're willing to pay.

Here's a look at what makes Brim cards different from the others.

Brim Rewards

Let's start with the rewards program. There's nothing complicated about the program itself.

You'll earn points on your day-to-day spending with the card. You can then use those points to pay for ANY transaction on the card. Each point is worth one cent – so it's basically cash back.

Brim also has an ace up their sleeve when it comes to earning rewards. They've partnered with over 150 retailers to offer you bonus rewards when you shop with them.

Just how many bonus points are we talking about? You can earn anywhere from 3% all the way up to 30%, depending on your retailer.

One point to note – you forgo your regular card's earn rate when you shop with Brim's partners.

No foreign exchange fees

Our favourite fee to get waived is foreign exchange fees. We don't like paying an extra 2.5% just for making purchases in a foreign currency.

All of Brim's cards waive this fee, keeping that extra money in your pocket – where it belongs.

Event Ticket Protection insurance

All of Brim's cards come with insurance coverage, and one type they all have is Event Ticket Protection insurance. This is something not found on any other credit card.

What does it do?

If you have a ticket for a concert, theatre show, or sporting event, you can get reimbursed the full cost of your ticket if you can't attend for a covered reason.

Mobile device insurance

Another rare insurance provided by all Brim cards is mobile device insurance. If you're phone or tablet gets lost, stolen, or breaks, you'll be covered up to a set amount for repair or replacement.

You can find the details of how mobile device insurance works here.

Brim Installment plans

Have a large purchase coming up? Brim can help take the sting out of it. Any purchase larger than $500 qualifies for Brim's Installment plans.

They're simple to use, and for a one-time fee of 7% of the total transaction, plus a monthly processing fee of 0.475% of the transaction amount, you can spread out the cost of your payment for either 12, 16, 20, or 24 months.

Free Boingo Wi-Fi

Need some wi-fi while you're on the go?

All Brim cards include complimentary access to Boingo Wi-Fi hotspots, which have over 1 million locations around the world.

Brim Mastercards

Now for the cards themselves. There are 3 versions for you to pick from, with varying earn rates and annual fees.

You could go with the , which offers 1 point per $1 spent on all purchases, 5 types of insurance, and no annual fee.

Then there's Brim's mid-level offering, the . You'll earn up to 1.5 points per $1 spent and get 13 types of insurance coverages, for an annual fee of $99.

Finally, there's the high-end card – the . You'll earn up to 2 points per $1 spent and get an astounding 15 types of insurance coverage, all for an annual fee of $199 (which is currently waived for the first year).

Which one is for you? It's up to you to decide how much of an annual fee you're willing to pay.

Best Brim Financial Credit Cards

Frequently asked questions about Brim Financial Mastercards

What credit cards does Brim Financial offer?

Brim Financial offers 3 Mastercards – the Brim Mastercard, Brim World Mastercard, and Brim World Elite Mastercard.

Do all Brim Mastercards charge no foreign transaction fees?

All 3 Brim Mastercards charge no foreign transaction fees. You'll be able to save the typical 2.5% fee most other credit cards charge on foreign currency transactions.

What can Brim Rewards be used for?

Brim Rewards can only be used for statement credits, where each point is worth 1 cent. However, it's easy to redeem your rewards, and can be done at anytime once $1 worth of rewards has been accumulated.

Featured In:

The Globe and Mail
thestar.com
Financial Post
New York Times