The Brim World Elite Mastercard is one of the best cash back credit cards in Canada. It comes with excellent rewards, terrific perks, top-notch insurance, and the holy grail of waived credit cards fees – no foreign exchange fees.

Here's the lowdown on this card.

Brim World Elite Mastercard rewards

One of the top things with credit cards are the rewards being offered. And this card offers high rewards.

You'll earn a straightforward 1 point per $1 on every purchase. With a point worth 1 cent each, that's a 1% return on your spending.

As for redeeming your rewards? You're in full control when you want to use them. Simply use your points to help pay for any purchase made to the card, or as a credit towards your statement balance.

And, there's a rock bottom level of points needed to make a redemption – $1 worth. So you can redeem at will with this card.

Plenty of bonus rewards with Brim retail partners

But there's more. Shop online at more than 250 merchants, which have thousands of locations around the globe, and you can earn anywhere from 3% to 30% back in points.

Those are some great returns. Just note that when you shop online with Brim's partners, you forgo the card’s regular earn rates. But that's really not a big deal, considering what you're getting back in return.

Perks and features of the Brim World Elite Mastercard

All those rewards are great, but more is needed to make a card worth an annual fee of $89.

So here are 4 things it offers in addition to the rewards, and you can decide if that high annual fee is worth it.

4. Insurance coverage

The insurance coverage is hard to beat with this card.

You'll get access to 12 types of insurance coverage – you can view the details by clicking on the insurance tab above.

2. World Elite Mastercard benefits

And you also get all the usual World Elite Mastercard benefits.

Some of these include:

• Mastercard priceless cities,
• Mastercard Travel Pass membership (no free passes),
• World Elite Mastercard concierge, and
• Mastercard World Experiences.

You can learn more about World Elite Mastercard benefits here.

3. Advanced security

Want extra peace of mind? Brim security is unparalleled compared to other issuers.

First, locking your card is simple – head to the Brim website and freeze your credit card. But you have some choice when you freeze your card. You can freeze it entirely, or simply lock it from making purchases online or in foreign currency.

Add authorized users to your account? You can set spending limits on their cards, so you don't see any surprises.

Finally, you can get instant notifications when purchases are made to your account, and can let you get your account frozen when you see anything suspicious.

4. Top of the line mobile wallet access

For mobile wallets, Brim gets you access to all 5 that are available in Canada.

Here's the full list of digital wallets available:

• Google Pay,
• Samsung Pay,
• Apple Pay,
• Garmin Pay, and
• FitBit Pay.

2 things to keep in mind about the Brim World Elite Mastercard

Here are a couple of things you'll need to keep in mind.

1. High income requirements

It's a World Elite Mastercard, and that means it's paired with high income requirements.

You'll need either a personal income of $80,000 or a household income of $150,000 to qualify.

2. Poor customer service

One thing Brim is not known for is their customer service. Few reviews speak highly of Brim's customer service.

Comparison to other credit cards

How does the Brim World Elite Mastercard stack up against other top Mastercards? Here's the breakdown against 2 of the best – the BMO CashBack World Elite Mastercard and the MBNA Rewards World Elite Mastercard.

	Brim World Elite Mastercard	BMO CashBack World Elite Mastercard	MBNA Rewards World Elite Mastercard
Welcome Bonus	None	$150 GeniusCash + Up to $480 cash back in the first year, first year free (terms)	$150 GC Boost + 30,000 bonus points (terms)
Earn Rates	* 1% cash back on all purchases	* 5% cash back on groceries, up to $500 in monthly spend * 4% cash back on transit, up to $300 in monthly spend * 3% cash back on gas, up to $300 in monthly spend * 2% cash back on recurring bills, up to $500 in monthly spend * 1% cash back on all other purchases	* 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) * 1 point per $1 spent on all other purchases
Insurance Coverage	12 types	13 types	12 types
Special Features	* No foreign exchange fees * Bonus rewards with Brim retail partners	* Roadside assistance	* 10% bonus points on your birthday * 2 ways to redeem points for high value
Annual Fee	$89	$120	$120
Income Requirements	* $80K personal * $150K household	* $80K personal * $150K household	* $80K personal * $150K household

With the BMO CashBack World Elite Mastercard you'll get access to more rewards, especially if you're a decently high grocery store spender.

They also come with their own unique perks you can check out, for a lower annual fee to save you money.

Leave a review

There you have it - the Brim World Elite Mastercard. It's got lots of rewards, perks, and insurance.

Is it worth the $89 annual fee? That's up to you.

Have this card? Leave a user so review so others can see what you think, and if the annual fee is worth it or not.

FAQ

What are the rewards of the Brim World Elite Mastercard?

The Brim World Elite Mastercard offers 1% cash back on all purchases.

What perks does the Brim World Elite Mastercard include?

The Brim World Elite Mastercard includes many perks. A few of them are:

• 12 types of insurance,
• installment plans, and
• access to DragonPass lounges.

What are the annual fee and income requirements of the Brim World Elite Mastercard?

The Brim World Elite Mastercard has an annual fee of $89 and income requirements of either $80,000 personal or $150,000 household.