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CanadaUnited States
Brim Mastercard
no-fee3.4 / 5

Brim Mastercard

Brim Financial · Mastercard

Best for

Light spenders who want a no-fee card with below-average FX fees and fintech app features.

Apply on Brim Financial
Annual fee
None
FX fee
1.5%
Purchase APR
19.99%
Income req.
$15,000 personal
Recommended credit score
640+
Approval difficulty
Moderate approval

VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Our verdict

A modern no-fee card whose appeal rests on the 1.5% FX fee, Boingo Wi-Fi, and partner offers rather than its modest 0.5% base earn rate.

Reward rates

All purchases
1 point per $2 spent; up to 30 points per $1 at select Brim partners
0.5x

VaultNerd values these points at ~1¢ each.

Pros

  • Low 1.5% FX fee and mobile device coverage on a no-fee card
  • Accessible $15,000 income requirement

Cons

  • Weak 0.5% base earn rate
  • Value depends heavily on shopping at Brim partners
  • No welcome bonus

Perks

  • Reduced 1.5% foreign transaction fee (vs. the standard 2.5%)
  • Up to 30x points at Brim partner merchants via the Brim app
  • Free Boingo Wi-Fi membership at over 1 million hotspots
  • Free supplementary cards
  • Easy point redemption as statement credits at 1 cent per point

Insurance

  • Mobile device protection
  • Mastercard Zero Liability

Frequently asked questions

Is the Brim Mastercard worth it?

It has no annual fee, and we rate it 3.4 out of 5. It's best suited to light spenders who want a no-fee card with below-average FX fees and fintech app features. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.

What does the Brim Mastercard earn?

It earns 0.5x on all purchases. We value these points at about 1¢ each, so the top rate works out to roughly 0.5% back.

What credit score do you need for the Brim Mastercard?

We'd suggest a score of around 640 or higher, which puts approval in our "moderate" band. It also lists an income requirement of $15,000 personal. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed June 2026 · How we research

Cite this page

“Brim Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/brim-mastercard, updated June 2026.

Sources
  • Brim Financial cardholder agreement and rates & fees disclosure
  • VaultNerd cards database