no-fee3.4 / 5

Brim Mastercard

Brim Financial

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

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 Information may be simplified, incomplete, or out of date.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

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

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

Sources

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