Brim World Elite Mastercard

Base earn is 1 Brim point per $1 spent. 1% at Brim's own published value of 1 cent per point (2,000 points = '$20 value' per Brim's referral terms). Like the standard card there are no bonus categories whatsoever; groceries, gas, dining, travel and everything else all earn the same flat 1 point per dollar. Brim states earning is 'Unlimited & Uncapped' and no cap appears in the disclosure statement. All incremental earning comes from Brim eShop merchant offers advertised as 'up to 30% back in points'. Rotating, merchant-specific, activation-required, with no published rate card or merchant list.

Same 'up to $500 in Brim points on first use at participating merchants' construct as the standard card. No spend threshold, no timeframe, no merchant list published. No guaranteed welcome bonus, so bonus tiers are NOT PUBLISHED.

Insurance verbatim from Brim's own benefits table: out-of-province emergency travel medical '15 days if < 65; 3 days if age 65+' with a $5,000,000 limit. Note the coverage period collapses from 15 days to 3 days at age 65, it is not a hard cut-off. Trip cancellation $2,000 per insured per trip, max $5,000 per trip for all insureds. Trip interruption $5,000 per insured per trip, max $25,000 per trip for all insureds. Flight delay $500/day to a max of $1,000 per occurrence for all insureds, delay must exceed 4 hours. Baggage delay $500 per insured per occurrence, max $1,000 for all insureds, delay must exceed 6 hours. Lost/stolen baggage $1,000 per insured, max $2,000 for all insureds. Rental car collision/loss damage for 48 days, MSRP limit $85,000. Mobile device up to $1,500. Purchase security $1,000 per occurrence, 90 days. Extended warranty doubles the manufacturer warranty by up to 1 year, max $25,000 per cardholder. Common carrier accident $150,000 per insured / $500,000 per accident. Mastercard Travel Pass by DragonPass membership is included but includes ZERO complimentary visits. Brim's page states 'A fee of $32 USD per visit, per person will be charged to your card.' Installment Pay (any purchase over $500, 12/16/20/24 months, '0% interest') costs 7% of the purchase price up front plus 0.475%/month processing on the original price, and is not available in Quebec. Cash advance $3.50 in Canada; NSF $25; grace period at least 21 days; minimum payment $10 plus fees/interest/installments. HEADLINE VS SUBSTANCE. LOUNGE: Brim promotes Mastercard Travel Pass airport lounge access, but the membership carries zero free visits. Every visit costs $32 USD per person, billed to the card. Lounge_passes_per_year is a genuine 0, not a missing value. TWO-TIER RISK PRICING: 19.99% purchase / 21.50% cash advance are labelled 'preferred rate' in the disclosure statement; a 'standard rate' of 24.99% applies across purchases, cash advances and balance transfers for applicants not offered preferred pricing. Travel medical is not simply age-65-limited: coverage drops from 15 days to 3 days for cardholders aged 65+, which is easy to miss and catastrophic for an older traveller on a two-week trip. Brim's cards no longer have 0% FX. All three Brim cards charge 1.5% of the converted amount per the current disclosure statement. Older reviews citing no FX fee are out of date. The $89 annual fee is lower than the discontinued mid-tier Brim World's $99, but the supplementary card fee is $50 each versus $20 on the old World and $0 on the standard card. '0% interest' Installment Pay costs 7% up front plus 0.475%/month of the original purchase price; unavailable in Quebec. No bonus categories at all, a flat 1 point/$1. The 'up to 30% back' and 'up to $500' figures are merchant-offer ceilings with no published merchant list. No published concierge benefit despite World Elite branding; Brim does not list one.