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  • $199 Annual Fee
  • $500 Welcome Bonus
  • 2 pts Every $1 Spent
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Brim World Elite Mastercard Overview

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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




Brim Financial

Card Type


Brim Financial Mobile-Comparewise


Welcome Bonus

When you first use your Brim World Elite Mastercard at participating merchants, you can earn up to $500 in Brim 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
Brim Financial Credit Cards And App - Comparewise

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.
Brim Financial Mobile App Brim Financial Credit Cards Comparewise - Comparewise

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

FAQs about the
Brim World Elite Mastercard

Is Brim Financial Legit?

Brim Financial is a Toronto-based non-bank credit card issuer founded in 2015. They appear to be committed to serving their customers well.

How Do I Qualify for the Brim World Elite Mastercard?

To be approved for the Brim World Elite Mastercard, you must:

  • Be a Canadian resident
  • Meet the minimum income requirements
  • Be the age of majority in your province

What’s the Annual Fee and Income Requirement for This Card?

The annual fee is $199. It’s waived for the first year. To apply for the Brim World Elite Mastercard, you must have a personal annual income of at least $80,000. Or a domestic income of $150,000.

How Do I Earn Points With the Brim World Elite Mastercard?

You earn points per transaction made on your card. Brim's loyalty program enables accelerating step-up earn offers at participating retailers. Therefore, the more you use your card, the more the earn rate per dollar spent increases.

What Should I Do to Earn Accelerated Offers?

There’s nothing to do from your end. As long as you make purchases from the Brim Marketplace with your brim card online or in-store, you earn accelerated offers. Brim Marketplace will notify you about your accelerated amount.

How Much Are Brim Points Worth?

Brim points have a value of 1 cent each, regardless of whether you redeem them for merchandise or gift cards.

Can I Get My Points As Cashback?

Yes. Instead of using your points towards a purchase, you can redeem them as a statement credit. This can be done at any time rather than only at the end of the year. Also, you can redeem points with a value as little as $1.

Is There a Limit on Brim Open Rewards?

No. Brim Open Rewards are unlimited. This means no matter how much you spend, you’ll keep earning.

General Terms

See the Cardholder Agreement for Canada (excluding Quebec) here. See the Cardholder Agreement for Quebec here.

Brim World Elite Mastercard Details

Brim Financial
Network Provider
Card Type
Balance Transfer, Rewards
Rewards Type
Annual Fee
Purchase Interest Rate
Cash Advance Rate
Balance Transfer Rate
Credit Needed
Good (660 - 724)

Brim World Elite Mastercard Offices

Phone Number
1 866-305-2746
4101 Yonge St Toronto ON M2P 1N6 Canada
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February 19, 2023

Social media not frequently updated, lack of transparency, they need a marketing/communications person in there. The apps that have poor support and can go many months without updates. For example the android app did not have an update in 5 months. The iphone app was updated 2 months ago, but people have been complaining at botched features like face unlock implementation issues and application within the app.

Statement from Brim as on Jan 11th:
We are happy to announce that a new Android update will be available soon. The new version will include enhancements that have been requested by our Cardmembers.

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Brim World Elite Mastercard Card Details
  • Min. Credit :
    Good (660 - 724)
  • Card Type : Balance Transfer, Rewards
  • Reward Type : Points
  • Providers : Brim Financial
  • Network Provider : Mastercard
Brim World Elite Mastercard Social Media
Brim World Elite Mastercard Reviews
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