Brim World Elite Mastercard
Travellers who value Brim's rich insurance package and lower FX fee more than raw earn rates.
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
Brim's flagship offers an impressive insurance suite and a first-year-free fee, but its 1% effective return on spending lags well behind comparable World Elite cards.
Reward rates
All purchases Up to 30 points per $1 at select Brim partners | 1x |
VaultNerd values these points at ~1¢ each.
Pros
- Comprehensive and unusual insurance lineup, including event ticket and hotel burglary coverage
- First year free with a low 1.5% FX fee
Cons
- 1x base earning is poor for a premium card
- No welcome bonus
- DragonPass membership includes no free lounge visits
Perks
- First year free ($89 thereafter; additional cards $50)
- Reduced 1.5% foreign transaction fee (vs. the standard 2.5%)
- DragonPass airport lounge membership (discounted visits)
- Up to 30x points at Brim partner merchants with Milestone Bonuses
- Free Boingo Wi-Fi membership
Insurance
- Rental car coverage (MSRP up to $85,000)
- Trip cancellation and trip interruption
- Hotel burglary insurance
- Event ticket protector (up to $1,000)
- Mobile device protection
- Mastercard Zero Liability
Frequently asked questions
Is the Brim World Elite Mastercard worth it?
It charges a $89 annual fee, and we rate it 3.3 out of 5. It's best suited to travellers who value Brim's rich insurance package and lower FX fee more than raw earn rates. 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 World Elite Mastercard earn?
It earns 1x on all purchases. We value these points at about 1¢ each, so the top rate works out to roughly 1.0% back.
What credit score do you need for the Brim World Elite Mastercard?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $80,000 personal or $150,000 household. 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.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Brim World Elite Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/brim-world-elite-mastercard, updated June 2026.
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