rewards2.8 / 5
Brim World Mastercard
Brim Financial
Best for
Apply on Brim Financial Existing cardholders who value its mid-tier insurance package, since the card is no longer competitive against alternatives.
Annual fee
$99
FX fee
1.5%
Purchase APR
19.99%
Income req.
$60,000 personal / $100,000 household
Recommended credit score
725+
Approval difficulty
Hard approvalVaultNerd 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 mid-tier card that struggles to justify its $99 fee with just 1x earning; the World Elite version offers better insurance and a waived first year for less.
Reward rates
All purchases Up to 30 points per $1 at select Brim partners | 1x |
VaultNerd values these points at ~1¢ each.
Pros
- Unusual insurance perks like event ticket protection and mobile device coverage
- Lower-than-standard FX fee
Cons
- 1x earn rate doesn't justify the $99 fee
- No welcome bonus or first-year waiver
- Brim has discontinued this card for new applicants per Prince of Travel
Perks
- Reduced 1.5% foreign transaction fee (vs. the standard 2.5%)
- DragonPass airport lounge membership (discounted visits)
- Free Boingo Wi-Fi membership
- Free supplementary cards
- Up to 30x points at Brim partner merchants
Insurance
- Travel emergency medical up to $5,000,000 (8 days; not available 65+)
- Flight delay up to $500/day ($1,000 max)
- Baggage delay ($1,000) and baggage loss ($1,000/person)
- Rental car CDW/LDW (up to 48 days, MSRP ≤ $65,000)
- Travel accident ($150,000)
- Purchase protection ($25,000/year) and extended warranty (+1 year)
- Mobile device insurance ($1,000/claim)
- Event ticket protector
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 Information may be simplified, incomplete, or out of date.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 Mastercard Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/brim-world-mastercard, updated June 2026.
Sources
- Brim Financial cardholder agreement and rates & fees disclosure
- VaultNerd cards database