Brim Mastercard: rewards, fees and how to apply
See the rewards, foreign transaction fee and interest rates before you apply
Looking for a credit card can mean gathering information from many different places. Here, we’ve put together the main details of the Brim Mastercard in one place.
The Brim Mastercard is a no-annual-fee credit card from Brim Financial, a Canadian fintech. It combines flexible rewards, a low 1.5% foreign transaction fee and an app that manages the whole card experience.
Brim also offers a paid version, the Brim World Elite Mastercard, which earns points faster and adds travel insurance. This review focuses on the no-fee Brim Mastercard.
Who is the Brim Mastercard for?
The Brim Mastercard suits people who want a no-fee card with flexible rewards and a low foreign transaction fee.
Since Brim is a digital-first company, you apply and manage everything online or in the app.
It isn’t a specialized travel or cash back card. The no-fee version doesn’t include travel medical or trip cancellation insurance, and its base earn rate (1 point per $2) is lower than that of some cash back cards. Instead, it offers flexible rewards you can use on any purchase, plus a low foreign transaction fee.
Credit card benefits
Here are the main benefits of the Brim Mastercard.
Rewards and redemption
You earn Brim Open Rewards points on your purchases, at a base rate of 1 point per $2 spent, and more at participating merchants through the Brim Marketplace. Points are worth 1 cent each and can be redeemed on any purchase, or as cash back against your statement, starting at $1 (100 points). They don’t expire while your account is in good standing.
Low foreign transaction fee
Brim charges a 1.5% foreign transaction fee, lower than the 2.5% charged by most Canadian cards. This can save you money when you shop online in other currencies or travel abroad.
Insurance coverage
The no-fee Brim Mastercard includes Mobile Device Insurance (up to $500), Purchase Security Insurance (90 days), Extended Warranty and Common Carrier Accident Insurance. Travel medical, trip cancellation and baggage insurance are only on the Brim World Elite Mastercard. Coverage is subject to the terms in the Certificate of Insurance.
Security
As a Mastercard, the card includes Mastercard Zero Liability. You can lock your card instantly, block online or foreign transactions, set spending limits for additional cardholders and get real-time purchase notifications.
Mobile wallets
You can add the card to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
Main card details
- Card network: Mastercard;
- Type: can be used in Canada and abroad wherever Mastercard is accepted;
- Credit limit: set by Brim based on your application;
- Annual fee: $0;
- Interest on purchases: 19.99%;
- Interest on cash advances: 21.50%;
- Foreign transaction fee: 1.5%;
- Does it accept clients with bad credit? Brim doesn’t publish a minimum credit score. Approval depends on its credit assessment.
Rates and fees checked on September 22, 2026, against the official Brim Financial website. Confirm current terms on the Brim website before applying.
About the company
The Brim Mastercard is issued by Brim Financial, a Canadian fintech and a licensed card issuer in North America.
Besides its own cards, Brim provides credit card and payment technology to banks, credit unions and other brands. It also offers the Brim World Elite Mastercard, a paid version with more rewards and travel insurance.
Frequently asked questions
Here are answers to some common questions about the Brim Mastercard.
Documents required to apply
Brim doesn’t publish a full list of documents for this card. When you apply online, you’ll provide your personal and financial information, and Brim will run a credit check.
How to contact the company
You can contact Brim through its website, by phone at 1-866-305-2746 or by email at support@brimfinancial.com. You can also manage your account and get support through the Brim app.
How to apply for the Brim Mastercard?
You can apply for the Brim Mastercard online:
- Go to the Brim Financial website and choose the Brim Mastercard;
- Click to apply and create your account;
- Fill out the application with your personal and financial information;
- Submit it for Brim’s review.
Since Brim is a digital-first company, if you’re approved you can receive a virtual card and start using it within seconds, before your physical card arrives.
Conclusion
The Brim Mastercard can be a good option for people who want a no-fee card with flexible rewards and a low foreign transaction fee, managed entirely through an app.
Its 1.5% foreign transaction fee and the ability to redeem points on any purchase or as cash back are its main strengths. At the same time, the base earn rate is modest, and the no-fee version doesn’t include travel insurance.
If you want travel medical, trip cancellation or baggage coverage, the paid Brim World Elite Mastercard includes them. Before applying, consider how you plan to use the card.
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Legal Disclaimer: This website is independent and purely informational, and its content does not constitute financial advice. Finvyu is not affiliated with Brim Financial. We do not guarantee credit approval or card issuance, which are subject solely to the risk analysis of Brim Financial. Finvyu Editorial Team.
