VaultNerd
Brim World Elite Mastercard
rewards3.3 / 5

Brim World Elite Mastercard

Brim Financial

Best for

Travellers who value Brim's rich insurance package and lower FX fee more than raw earn rates.

Apply on Brim Financial
Annual fee
$89
FX fee
1.5%
Purchase APR
19.99%
Income req.
$80,000 personal / $150,000 household
Recommended credit score
725+
Approval difficulty
Hard 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

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
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 Information may be simplified, incomplete, or out of date.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 World Elite Mastercard Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/brim-world-elite-mastercard, updated June 2026.

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