Brim Mastercard

Base earn is 1 Brim point per $2 spent, i.e. 0.5 points per dollar, worth 0.5% at Brim's own published point value of 1 cent (Brim's referral page states 2,000 points = '$20 value'). There are no bonus categories at all on this tier; every category earns the same 0.5 points per dollar. Brim describes earning as 'Unlimited & Uncapped', and no cap appears in the disclosure statement. The headline earning on Brim's marketing comes from 'Brim eShop' merchant offers advertised as 'up to 30% back in points' at partners such as Nike, Lululemon and Indigo. These are rotating, merchant-specific, must be activated in-app and paid with the Brim card, and Brim publishes no fixed rate or merchant list, so none of it can be counted as a reliable earn rate.

Brim advertises 'Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants.' This is NOT a conventional welcome bonus: there is no spend threshold, no timeframe and no published merchant list. It is the theoretical maximum of stacked first-purchase merchant offers. No guaranteed bonus amount is published, so all bonus tier fields are recorded as NOT PUBLISHED.

Genuinely no annual fee and no fee for supplementary cards. Insurance is limited to: mobile device up to $500 for loss/theft/damage; purchase security $1,000 per occurrence for 90 days; extended warranty doubling the manufacturer's warranty by up to 1 additional year to a maximum of $25,000 per cardholder; and common carrier accident insurance of $150,000 per insured with a $500,000 per-accident limit at the World Elite level. The standard card's common carrier limit is $100,000 per insured / $300,000 per accident. There is NO travel medical, NO trip cancellation/interruption, NO baggage and NO rental car coverage on this tier. Brim's 'Installment Pay' feature lets you split any purchase over $500 into 12/16/20/24 months at '0% interest' but charges a one-time installment fee of 7% of the purchase price plus a monthly processing fee of 0.475% of the original purchase price, that is not free credit. Installment Pay is not available in Quebec. Cash advances cost $3.50 each within Canada; NSF/dishonoured payments are $25 each; grace period is at least 21 days; minimum payment is $10 plus fees, interest and installment amounts. TWO-TIER RISK PRICING: the disclosure statement lists 19.99% as the 'preferred rate' for purchases and balance transfers and 21.50% preferred for cash advances, but a 'standard rate' of 24.99% applies to all three for applicants who are not offered preferred pricing. The 19.99% headline is not the rate every approved applicant gets. Brim was historically known for 0% foreign transaction fees; the current disclosure statement and product pages both state 1.5% on the converted amount for every Brim card. Anyone relying on old reviews will be wrong. 'Up to $500 in Brim points' welcome offer has no spend requirement, no deadline and no published merchant list. It is a ceiling on stacked merchant offers, not a bonus you can plan on. 'Up to 30% back in points' via Brim eShop has no published merchant rate card; the offers rotate and must be activated in-app. '0% interest' Installment Pay carries a 7% up-front fee plus 0.475%/month processing fee on the original purchase price, the effective cost is substantial. Not offered in Quebec. Brim publishes no minimum income or credit score for this card, so no eligibility screening can be represented honestly. The balance transfer rate is simply the purchase rate. There is no promotional balance transfer offer of any kind.