--> --> Brim Financial World Elite Mastercard November 2025 | creditcardGenius --> --> -->   App Exclusive: $175 GeniusCash on a travel card with up to 100K bonus points! Download Now × 5 Hello! Sign In $150 Cash Back Compare Credit Cards Compare Credit Cards Compare Credit Cards Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Best Credit Cards Best Credit Cards Best Credit Cards Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Blog, News & Deals Blog, News & Deals Blog, News & Deals Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? Air Miles Rewards Aeroplan Rewards Amex Membership Rewards BMO Rewards RBC Rewards Perks & Insurance Mobile Phone Insurance Rental Car Insurance Trip Cancellation Insurance Purchase Insurance Roadside Assistance Travel Insurance for Age 65 & Over GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Your Credit Score Your Credit Score Your Credit Score Cards By Credit Score Poor Credit Fair Credit Good Credit Very Good Credit Excellent Credit Credit Score 101 An Infographic Guide To Your Credit Score What Is A Good Credit Score? Does Applying For A Credit Card Hurt Your Credit Score? Soft Credit Check Vs. Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Credit Card Quiz × GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers $150 Cash Back Compare Credit Cards Credit Cards in Canada Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. Best Credit Cards Best Credit Cards for 2025 Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa Blog, News & Deals Latest Blog Articles Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? Air Miles Rewards Aeroplan Rewards Amex Membership Rewards BMO Rewards RBC Rewards Perks & Insurance Mobile Phone Insurance Rental Car Insurance Trip Cancellation Insurance Purchase Insurance Roadside Assistance Travel Insurance for Age 65 & Over Your Credit Score Credit Score Guide Cards By Credit Score Poor Credit Fair Credit Good Credit Very Good Credit Excellent Credit Credit Score 101 An Infographic Guide To Your Credit Score What Is A Good Credit Score? Does Applying For A Credit Card Hurt Your Credit Score? Soft Credit Check Vs. Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz Mastercard Brim Financial Brim World Elite Mastercard 2.9 Genius Rating 2.6 (27) User reviews The Brim World Elite Mastercard provides simple rewards, high insurance coverage, and no foreign exchange fees in addition to a host of other perks. $89.00 Annual fee Learn more $0 ◊ Welcome bonus Learn more $312 ◊ Annual rewards Learn more Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure. Add to wallet Credit estimate:  (760 - 900) Instant approval: No Mastercard Brim Financial Brim World Elite Mastercard 2.9 Genius Rating 2.6 (27) User reviews Add to wallet The Brim World Elite Mastercard provides simple rewards, high insurance coverage, and no foreign exchange fees in addition to a host of other perks. $89.00 Annual fee Learn more $0 ◊ Welcome bonus Learn more $312 ◊ Annual rewards Learn more Credit estimate:  (760 - 900) Instant approval: No Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Monthly Spending: $ View Breakdown Pros & Cons Your Rewards Compare Cards Details and Eligibility Insurance Coverage Genius Rating Our Review Key Benefits User Reviews (27) Pairs Well With Pros & cons Pros Ability to redeem points towards any purchase made to the card. Low 1.5% foreign exchange fee. 12 types of insurance. Cons Only earns 1% cash back, low for a World Elite Mastercard. High income requirements of either $80,000 personal or $150,000 household. Your rewards How you earn rewards Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Brim World Elite Mastercard , here's how you earn rewards: 1% cash back on all purchases For all reward details click here . How much your rewards are worth The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Brim World Elite Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose: Statement credits $312   Statement credits $312 This card doesn't offer any rewards. Calculating your annual rewards $24,000 annual spending x 1.30% return on spending = $312 annual rewards $312 annual rewards − $89.00 annual fee = $223 net annual rewards Top related credit cards Compare similar cards side-by-side. CIBC Aventura ® Visa Infinite * Card 4.3 Genius Rating 2.4 (18) User Reviews   $639 Annual Rewards $1151 Welcome Bonus $139.00 Annual Fee Learn More CIBC Aventura ® Visa Infinite * Card (QC) 4.2 Genius Rating 3.0 (1) User Reviews   $639 Annual Rewards $1151 Welcome Bonus $139.00 Annual Fee Learn More MBNA Rewards World Elite ® Mastercard ® GC: $100 4.2 Genius Rating 3.3 (81) User Reviews 4x Award Winner $686 Annual Rewards $300 Welcome Bonus $120.00 Annual Fee Learn More TD ® Aeroplan ® Visa Infinite * Card 4.0 Genius Rating 2.9 (38) User Reviews   $558 Annual Rewards $900 Welcome Bonus $139.00 Annual Fee Learn More CIBC Aventura ® Gold Visa * Card 4.0 Genius Rating 3.4 (5) User Reviews   $639 Annual Rewards $1151 Welcome Bonus $139.00 Annual Fee Learn More CIBC Aventura ® Gold Visa * Card (QC) 4.0 Genius Rating 1.0 (1) User Reviews   $639 Annual Rewards $1151 Welcome Bonus $139.00 Annual Fee Learn More MBNA Rewards World Elite ® Mastercard ® (QC) GC: $100 4.0 Genius Rating 3.0 (2) User Reviews   $686 Annual Rewards $200 Welcome Bonus $120.00 Annual Fee Learn More RBC ® British Airways Visa Infinite ‡ 3.5 Genius Rating 3.0 (9) User Reviews   $494 Annual Rewards $1170 Welcome Bonus $165.00 Annual Fee Learn More American Express ® Aeroplan ® * Card 2.7 Genius Rating 4.3 (3) User Reviews   $522 Annual Rewards $800 Welcome Bonus $120.00 Annual Fee Learn More KOHO Everything Mastercard GC: $100 1.7 Genius Rating 3.0 (2) User Reviews   $264 Annual Rewards $20 Welcome Bonus $177.00 Annual Fee Learn More Details and eligibility Do I qualify? Estimated Credit Score 760 - 900 Personal Income $80,000 Household Income $150,000 Canadian resident who has reached the provincial age of majority. Fees Annual Fee $89.00 Extra Card Fee $50 Card type Credit Interest rates Purchase 19.99% Cash Advance 21.50% Balance Transfer 19.99% Insurance coverage Extended Warranty 1 year Purchase Protection 90 days Mobile Device $1,500 Travel Accident $500,000 Emergency Medical Term 15 days Emergency Medical Maximum Coverage $5,000,000 Emergency Medical over 65 3 days Trip Cancellation $2,000 Trip Interruption $5,000 Flight Delay $500 Baggage Delay $500 Lost or Stolen Baggage $1,000 Hotel Burglary $2,500 Rental Car Theft & Damage Yes Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply. Learn more about the value of credit card insurance coverage. Genius Rating Brim World Elite Mastercard's 2.9 Genius Rating is based on the weighted average of the following scores: Rewards 1.8 Fees 2.1 Insurance 3.5 Interest 1.6 Perks 1.2 Approval 0.0 Acceptance 4.4 User Reviews 2.6 Methodology All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features. Learn more about our rating methodology. Top cards from Mastercard GC: $150 BMO CashBack ® World Elite ® * Mastercard ® * Exclusive: Up to $480 bonus cash back + First year fee waived. * GC: $100 MBNA Rewards World Elite ® Mastercard ® Up to 30,000 bonus points + birthday bonus worth up to 15k points. * GC: $100 MBNA Rewards World Elite ® Mastercard ® (QC) Up to 20,000 bonus points + Annual bonus worth up to 15k points. * Brim World Elite Mastercard review Written by creditcardGenius Team   Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. 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. In this article Brim World Elite Mastercard rewards Perks and features of the Brim World Elite Mastercard Things to keep in mind about the Brim World Elite Mastercard Comparison to other credit cards FAQ 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 ) $100 GeniusCash + 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. People also viewed GC: $50 Scotiabank Scene+ Visa Card Up to 5,000 bonus points + Up to 2 points per $1 spent. * SimplyCash ® Card from American Express Up to 5% cash back + Get a minimum of 1.25% back on purchases. * SimplyCash ® Preferred Card from American Express Up to 10% cash back + A minimum of 2% back on purchases. * Key benefits Earn 1 point for every dollar spent. Take advantage of Brim's Installment Pay option on purchases. Use your points to pay for any purchase made to the card. Earn up to $500 in first-time bonuses after your first purchases with participating retailers. Get excellent insurance coverage with 15 different kinds of purchase and travel insurance, including the unique Ticket Protector insurance. Earn bonus rewards for shopping online at over 250 different retailers. Advanced security features included. Access to 5 different mobile wallets. Show more... User review s 2.6 out of 5 Reviewed by 27 Canadian s Add Review 5 stars 19% 4 stars 15% 3 stars 7% 2 stars 22% 1 stars 37% Add Review Do you own this card? I have it I canned it × How good is this card overall? × Rate the application process: Rate the customer service: Thank you for your review! Hang tight while we verify and approve it. If you want to see your review right away... Create an account: Name * Email * Password * Password requirements: At least 8 characters long At least one lower case letter At least one upper case letter At least one number At least one special character Password confirmed Password best practices Please send me credit card deals, news, reviews, and tips directly to my inbox. It only takes one click to unsubscribe. By clicking the button below, you agree to our Privacy Policy and Terms and Conditions .   Login Steven a year ago 1 The website stated that the first year annual fee would be rebated, but this is not the case. The value of the card is nowhere near $199 so there is absolutely no reason to keep this card. Paul a year ago 1 Can you leave less than one ⭐️? No one should choose this card, even if they dropped the price from $199 to $89. Nothing is competitive using this card. I left a comment on LinkedIn, and no one from the company got back to me. If you currently have the card and you aren’t paying attention, the points are horrible now (like the other posts below). They clearly don’t care about the retail credit card business anymore. Vote with your feet and go elsewhere. The no fee Rogers World Elite Credit Card is the one for us now, 2% back on everything and no forex charges in the US. Mark 2 years ago 2 They used to have 0% foreign exchange fee and 1% cashback. Now they just emailed me that it is changing to 1.5% FX and 0.5% cashback. It is no longer a competitive card. On top of that customer service is absolutely horrendous. So what is the point of sticking with them? BYE BYE BRIM! Nawaf 2 years ago 2 I would not even bother Brim Financial. Honestly avoid at all costs even. Customer service is the worst in the industry, they do not take accountability even if it’s their fault with provided paper trail to prove it. And they block your card without notice for stupid reasons. Plus many times when I am over seas they reject payments with no ways for fast confirmation. You are way better off with any other card in the market. And now the FX is at 1.5% DanZChief 2 years ago 2 This card used to be one of the best no FX fee and cashback cards. Now Brim has decided to decrease all those benefits, making it one of the worst cards to get. Your foreign exchange fee will be only 1.5% (USED TO BE 0%), while most other cards charge 2.5%, allowing you to continue to save on your cross-border shopping. You’ll continue to earn unlimited rewards with merchant partners and you will earn 1 point (USED TO BE 2 POINTS) for every $1 spend, with no maximum. 1 2 3 4 5 6 Pairs well with... GC: $120 Tangerine ® Money-Back World Mastercard ® * $120 bonus cash back * + No annual fee. * GC: $20 MBNA True Line ® Mastercard ® 0% on balance transfers for 12 months (3% fee) + No annual fee. * Scotiabank Value Visa Card Low permanent interest rates of 13.99% + First year free. * CIBC Select Visa * Card 0% on balance transfers for 10 months + First year fee rebate. * GC: $20 BMO CashBack ® Mastercard ® * Up to 5% cash back + No annual fee. * GC: $150 BMO CashBack ® World Elite ® * Mastercard ® * Exclusive: Up to $480 bonus cash back + First year fee waived. * MBNA True Line ® Gold Mastercard ® Low interest rates of 10.99% + Low annual fee. * BMO Preferred Rate Mastercard ® * 0.99% on balance transfers for 9 months + Very low interest rates. * GC: $100 MBNA Rewards World Elite ® Mastercard ® Up to 30,000 bonus points + birthday bonus worth up to 15k points. * GC: $100 MBNA Rewards World Elite ® Mastercard ® (QC) Up to 20,000 bonus points + Annual bonus worth up to 15k points. * About creditcardGenius creditcardGenius is a smart credit card matchmaker that compares 126+ features of 227+ credit cards, with objective ratings, rankings and reviews. Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 200,000 people every month, 50,000 newsletter subscribers, and 15M people since launch. Read more about creditcardGenius About creditcardGenius About creditcardGenius Team The creditcardGenius team of writers is dedicated to bringing factual, helpful, and thorough information to Canadian consumers. Each piece of content goes through a 3-step review process because quality is important to us. Read more about creditcardGenius Team About creditcardGenius Team Rating Methodology The most comprehensive credit card rating system in Canada. Featured In The Genius Is You. Get hot credit card tips, news, reviews, and exclusive offers directly to your inbox. Only legit stuff gets sent. And it only takes one click to unsubscribe - so give it a try. Have a second? Let us know how we can make your experience better. Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Latest Updates $175 GeniusCash + 0.5% extra cash back Up to 100,000 welcome bonus points 4 free lounge passes worth up to $200 First-year annual fee waived * What is Flexiti? Do You Lose Your Points If You Cancel Your Credit Card? $1,000 Christmas Giveaway Canada 2025 $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . *