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The Brim World Elite Mastercard is stock-full of enticing features and rewards. This card makes it worth the bet from its comprehensive insurance coverage to its robust point structure.

New cardholders earn a welcome bonus of up to $500. Afterwards, you earn 2% in rewards for every $1 spent at participating merchants.

You can potentially earn up to 40% back in points, given the 200 plus Brim partners. Some partner offers include:

• 10% back at Lululemon,
• 4% back at Nike, and
• 3% back at Warby Parker.

What’s more, the Brim World Elite Mastercard carries 0% foreign transaction fees. You will also benefit from all the World Elite Mastercard benefits, free Wi-Fi hotspots around the globe, and exclusive lounge access.

Essential Information

Network

Mastercard

Provider

Brim Financial

Card Type

Travel

Rewards

Welcome Bonus

When you first use your Brim World Elite Mastercard at participating merchants, you can earn up to $500 in Brim points.

Points

The Brim World Elite Mastercard offers:

• 2 points for every $1 spent until you amass annual purchases of $25,000
• After spending $25,000 in a year, you’ll earn 1 point per $1 spent
• 3% to 30% back in points when shopping online with over 200 merchants
• Up to 3% back in points on flights from eligible airlines

Travel Insurance

With the Brim World Elite Mastercard, you receive the following coverage.

• Out-of-Province Emergency Travel Medical Insurance for 15 days for up to $5,000,000.
• Flight delay insurance of up to $500 for reasonable living expenses incurred during a delayed flight of over four hours.
• Baggage delay insurance of up to $1,000 per insured person per occurrence.
• Lost or stolen baggage insurance of up to $1,000 per insured person.
• Hotel/motel burglary insurance with up to $1,000 coverage per burglary occurrence.
• Mobile device insurance of up to $1,000.
• Event ticket protector insurance of up to $1,000 to reimburse you for the non-refundable ticket cost.
• Car rental personal effects insurance of up to $1,000 per cardmember.
• Car rental accidental death & dismemberment insurance of up to $100,00 per any one accident.
• Standard carrier accident insurance with a coverage limit of $500,000.

Other Perks

• No foreign exchange fees, saving you 2.5% whenever you make purchases that aren’t in Canadian dollars.
• 1 million free Wi-Fi hotspots worldwide in planes, airports, cafes, and hotels courtesy of Boingo.
• Access to over 1,000 airport lounges globally with Mastercard Airport Experiences.
• World Elite Mastercard benefits include Mastercard Priceless Cities, World Elite Mastercard Concierge, and Zero Liability.
• Brim installment plan to pay back purchases between 12 to 24 months.
• Purchase notifications, monthly spending limits, and instant card lock to control your family’s spending.
• Referral bonus of 2,000 points (worth $20) per recommendation.
• One extra year added to a manufacturer’s original warranty.
• Purchase protection for 90 days.

Costs and Fees

• Annual fee: $199 (waived for the first year)
• Additional card fee: $50 
• The interest rate for purchases: 19.99%
• Cash advance interest rate: 21.50%
• The interest rate for balance transfer: 19.99%
• Brim installment plan one-time fee: 7% of the total price
• Brim installment plan processing fee: 0.475% of the original amount