Earn unlimited rewards with Brim Financial Mastercard – 1% in rewards on every dollar spent. Plus, enjoy 0% foreign transaction fees, no annual fee, and complimentary Boingo Wi-Fi.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Mobile Device $500
Event Ticket Cancellation $1,000
Travel Accident $300,000

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

Brim Mastercard review

Looking for a credit card that offers more than just rewards? The Brim Mastercard is the complete package when it comes to cash back cards that have no annual fee.

Here's what makes this card special.

Brim Mastercard earn rates

Brim has kept it simple when it comes to earning rewards on your purchases. You'll earn 1 point for every $1 spent on the card. No caps, categories or tiers to worry about.

Each point is worth 1 cent, giving you a straightforward return of 1%.

And when it comes time to redeem your rewards, you're in complete control. Redeem your points to pay for any transaction charged to the card. And you only need $1 worth of rewards (100 points) to make a redemption.

1% is a pretty good return for a no fee card. But you're not done earning rewards just yet.

Brim Rewards has over 150 online partners where you can earn even more bonus rewards. In fact, you can earn anywhere from 3% all the way up to 30% on your purchases, depending on the partner.

Those are some great returns for your online shopping. One thing to note is if you're shopping with one of these partners, you won't also be earning your regular earn rate (which is fine, you're dwarfing that rate anyway).

Welcome bonus

There's also a sweet welcome bonus with the card.

The first time you use your card at participating partners, you can earn up to $200 in first time bonuses.

Other features of the Brim Mastercard

This card doesn't stop at rewards. It has plenty of other features as well.

Brim installment payments

Brim offers installment payments on purchases of $500 or more.

How does it work? In the Brim app, find the transaction and enable the installment feature. You can choose between a payback period between 12 and 24 months.

There are some fees to pay – a one time fee of 7% on the overall purchase price, plus a monthly fee of 0.475% of the original purchase price.

Free Boingo Wi-Fi

For the frequent traveller, you'll get complimentary access to Boingo Wi-Fi hot spots, with over 1 million locations around the world.

Insurance coverage

For a no fee card, you'll get some good insurance coverage – 5 types in total. You can view the details in the insurance tab above.

Brim cards also offer a unique insurance not found on other cards – event ticket reimbursement. If you have a sporting, theatre, or concert ticket, you can be reimbursed the cost of your ticket if you have to cancel for a covered reason.

No foreign exchange fees

On top of no annual fees, this card has the holy grail of waived fees – no foreign exchange fees. It's a rare card that waives the typical 2.5% fee other cards charge, and it's an even rarer to find a no fee card that has this feature.

Bottom line

There's no denying this is a complete, all-round no fee credit card.

However, if you want even more perks and rewards on your purchases, Brim offers 2 other cards for you to look at:

What are your thoughts?

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Featured In:

The Globe and Mail
Financial Post
New York Times