Who this card is for
A good fit if you…
- People who want a $0 Brim card, Mastercard acceptance, and free global Wi-Fi, and who are fine earning 1 Brim point per $2.
- Households that want a fintech Mastercard they can use at Costco and small merchants, and who pay the statement in full.
- Applicants who want Brim without the World Elite annual fee.
Skip it if you…
- Anyone who thought a $0 Brim card meant no foreign transaction fee. Brim charges 1.5%.
- People who will pay $89 for 1 Brim point per $1 and the World Elite insurance package. That is Brim World Elite.
- Shoppers who want 2% in chosen categories at $0. Tangerine Money-Back publishes that rate table.
- Anyone who wanted a bank issuer page, branch backup, or a chequing-account bundle. Brim is not in this site’s issuer-hub list.
Pros and cons
Pros
- The annual fee is $0.
- Earn is 1 Brim point per $2.
- Foreign transactions are charged 1.5%, below the 2.5% many Canadian cards add.
- The card includes free global Wi-Fi.
- Mastercard acceptance includes Costco Canada and merchants that still skip American Express.
Cons
- 1 Brim point per $2 is half the earn rate on Brim World Elite, which charges $89 for 1 point per $1.
- The 1.5% foreign transaction fee still applies to purchases in another currency.
- Brim does not list a welcome bonus on this card.
- Tangerine’s 2% categories, or Simplii’s published cash-back mix, can beat 1 point per $2 on everyday Canadian spend.
- There is no Brim issuer hub on this site.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $0
- Estimated welcome bonus value
- Not listed
- Bonus minus fee (estimate)
- —
This is a simple comparison of the estimated welcome-bonus value against the annual fee. It ignores rewards on spending, credits you have to remember to use, and interest if you carry a balance. Offers change — verify with the issuer.
The annual fee is $0. Brim does not list a welcome bonus, so the first-year snapshot on this page has no bonus to subtract from a fee.
Year one and year two are 1 Brim point per $2, free global Wi-Fi, and a 1.5% foreign transaction fee, set against Tangerine at the same $0 and against World Elite’s 1 point per $1 minus $89. The World Elite fee does not remove the foreign transaction fee: both cards charge 1.5%.
For a Visa with no foreign transaction fee and complimentary lounge visits, compare Scotiabank Passport Visa Infinite. Offers change.
Pay the statement in full.
Rewards and earn rates explained
Rewards program: Brim points
You earn Brim points: 1 point per $2 on this card. The Brim World Elite Mastercard earns 1 point per $1 and costs $89.
Both cards charge a 1.5% foreign transaction fee. This card includes free global Wi-Fi.
If you want 2% in categories you choose, at $0, that is Tangerine Money-Back. If you want a $0 Visa with a published cash-back mix from a bank, that is Simplii Financial Cash Back Visa.
Welcome bonus: how to unlock it
No welcome bonus is currently listed for this card.
Brim does not list a welcome bonus on the Brim Mastercard. The decision is the $0 fee, 1 Brim point per $2, the 1.5% foreign transaction fee, and free global Wi-Fi.
FAQ
Is the Brim Mastercard worth it in 2026?
It can be worth it when you want a $0 Mastercard, free global Wi-Fi, and 1 Brim point per $2. On grocery or category spend, Tangerine’s 2% categories can return more. Foreign transactions are charged 1.5%.
Brim Mastercard vs Brim World Elite?
This card has a $0 annual fee, earns 1 Brim point per $2, and includes free global Wi-Fi. World Elite costs $89 and earns 1 Brim point per $1, with trip insurance, mobile device coverage, and rental car collision damage waiver. Both charge a 1.5% foreign transaction fee. Choose World Elite when the extra point and the coverage are worth $89.
Why is there no Brim issuer page on this site?
Issuer hubs exist for banks this site already covers (RBC, TD, CIBC, Scotiabank, BMO, American Express, and others). Brim Financial is not in that list. This review links the World Elite card and $0 cash-back cards with published category rates.
Brim Mastercard vs Tangerine Money-Back?
Tangerine is a $0 Mastercard with 2% in chosen categories. Brim is a $0 card that earns 1 Brim point per $2, charges 1.5% on foreign transactions, and includes free global Wi-Fi. Choose Tangerine when the 2% categories match your spend. Choose Brim when the Wi-Fi and the Brim app are the reason you applied.
Does the Brim Mastercard charge foreign transaction fees?
Yes. Brim charges a 1.5% foreign transaction fee. The World Elite card charges 1.5% as well. For a bank-issued Visa with no foreign transaction fee and complimentary lounge visits, compare Scotiabank Passport Visa Infinite.
Compare related cards and guides
More Canadian credit card lists that match this product, plus a few cards people usually compare it with.
- Brim World Elite Mastercard review · Brim Financial · $89 annual fee
- Tangerine Money-Back Credit Card review · Tangerine · $0 annual fee
- Simplii Financial Cash Back Visa review · Simplii Financial · $0 annual fee
