Who this card is for
A good fit if you…
- People who want 1 Brim point per $1, twice the no-fee Brim card’s 1 point per $2, and who will use the insurance often enough to justify $89.
- Applicants outside Quebec who want trip cancellation, trip interruption, and out-of-province medical on a Mastercard.
- Households that want Mastercard acceptance, including at Costco Canada, and who pay the statement in full.
Skip it if you…
- Anyone hoping this card waives foreign transaction fees. Brim charges 1.5% on foreign transactions.
- Travellers who want lounge visits included in the annual fee. Mastercard Travel Pass costs US$32 per person per visit.
- New applicants in Quebec who need the travel insurance. Brim does not offer that coverage to new Quebec applicants.
- People who wanted the $0 card. The Brim Mastercard earns 1 Brim point per $2, includes free global Wi-Fi, and charges the same 1.5% foreign transaction fee.
- Shoppers who want 2% in chosen categories at $0. Tangerine Money-Back publishes that rate table.
Pros and cons
Pros
- Earn is 1 Brim point per $1, twice the no-fee Brim card’s 1 point per $2.
- The annual fee is $89.
- Insurance includes trip cancellation and trip interruption, out-of-province emergency medical up to $5 million (15 days under 65, 3 days at 65 and older), mobile device coverage up to $1,500, and rental car collision damage waiver for up to 48 days on vehicles with an MSRP up to $85,000.
- Mastercard acceptance includes Costco Canada and merchants that still skip American Express.
- The $0 Brim Mastercard remains available if $89 stops earning its keep.
Cons
- Foreign transactions are charged 1.5%.
- Mastercard Travel Pass lounge access costs US$32 per person per visit.
- Travel insurance is unavailable to new Quebec applicants.
- Brim does not list a welcome bonus on this card.
- The $89 fee has to be worth one extra Brim point per $2 of spend versus the no-fee card, plus insurance you will actually use. Tangerine’s 2% categories are $0.
- There is no Brim issuer hub on this site.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $89
- 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 $89. Brim does not list a first-year rebate or a welcome bonus, so the first-year snapshot on this page has no bonus to subtract from the fee.
Year two is $89 for 1 Brim point per $1, compared with 1 Brim point per $2 on the $0 Brim Mastercard, plus the insurance package. Both cards charge 1.5% on foreign transactions, so the fee is paying for the higher earn rate and the coverage.
For a card that waives foreign transaction fees and includes 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 $1 on this card, and 1 point per $2 on the Brim Mastercard. Foreign transactions add a 1.5% fee on both cards.
Mastercard Travel Pass lounge access costs US$32 per person per visit. Coverage on this card includes trip cancellation and trip interruption, out-of-province emergency medical up to $5 million (15 days if you are under 65, 3 days if you are 65 or older), mobile device coverage up to $1,500, and rental car collision damage waiver for up to 48 days on vehicles with an MSRP up to $85,000.
New Quebec applicants cannot get the travel insurance. If you want 2% in categories you choose, at $0, that is Tangerine Money-Back.
If you want foreign-currency spend without a conversion fee, and complimentary lounge visits, that is Scotiabank Passport Visa Infinite.
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 World Elite Mastercard. The decision is the $89 fee, 1 Brim point per $1, the 1.5% foreign transaction fee, and the insurance.
FAQ
Is the Brim World Elite Mastercard worth it in 2026?
It can be worth $89 when you will use the insurance and you value 1 Brim point per $1 over the no-fee card’s 1 point per $2. It does not pay for itself by waiving foreign transaction fees. Brim charges 1.5% on foreign transactions.
Brim World Elite vs the no-fee Brim Mastercard?
The Brim Mastercard has a $0 annual fee, earns 1 Brim point per $2, and includes free global Wi-Fi. World Elite costs $89, earns 1 Brim point per $1, and adds the insurance package. Both charge a 1.5% foreign transaction fee. Choose World Elite when the extra point and the coverage are worth $89. Choose the $0 card when you wanted Brim without a fee.
Does Brim World Elite charge foreign transaction fees?
Yes. Brim charges a 1.5% foreign transaction fee. Mastercard Travel Pass lounge access costs US$32 per person per visit. For a Visa with no foreign transaction fee and complimentary lounge visits, compare Scotiabank Passport Visa Infinite.
What insurance does Brim World Elite include?
Trip cancellation and trip interruption, out-of-province emergency medical up to $5 million (15 days under 65, 3 days at 65 and older), mobile device coverage up to $1,500, and rental car collision damage waiver for up to 48 days on vehicles with an MSRP up to $85,000. Travel insurance is unavailable to new Quebec applicants.
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 no-fee Brim card and cards with published category rates or no foreign transaction fees.
Compare related cards and guides
More Canadian credit card lists that match this product, plus a few cards people usually compare it with.
- Brim Mastercard review · Brim Financial · $0 annual fee
- Tangerine Money-Back Credit Card review · Tangerine · $0 annual fee
- Scotiabank Passport Visa Infinite Card review · Scotiabank · $150 annual fee
