I'd think of the Brim World Elite as an insurance card that happens to earn points. At $89 a year it includes $5,000,000 of emergency medical coverage for 15-day trips, trip cancellation and interruption, flight and baggage delay, and rental car cover for up to 48 days. That is a fuller travel package than I'd expect at this price.
The earning is the weak side. It's a flat 1 point per dollar, each point worth 1 cent, so 1% back, and the 1.5% foreign transaction fee is lower than the usual 2.5% but not zero. If you want a card to put trips on and don't care much about points, it makes sense to me; as an everyday card, it doesn't.
Welcome offer
There is no welcome bonus on the Brim World Elite Mastercard as of October 13, 2026. Brim's page instead points to merchant offers through Brim Open Rewards, where a first purchase at a participating merchant can earn bonus points (Brim's footnote says up to $500 in Brim points across those merchants).
Those offers depend on where you shop and change over time, so they are not a sign-up bonus you can plan around. Older first-year fee waivers on this card no longer appear on Brim's live pages.
Open the Brim app before a big first purchase and check whether that merchant has a first-time offer. The merchant offer replaces the base 1 point per dollar at that store rather than adding to it, so pick the store with the better offer.
Fees & eligibility
The annual fee is $89, with each additional cardmember at $50. There is no first-year waiver on Brim's current pages. Foreign currency purchases carry a 1.5% foreign transaction fee, a point lower than most Canadian cards but still a cost abroad.
Brim asks for a personal income of $80,000 or household income of $150,000. The preferred interest rates are 19.99% on purchases and balance transfers and 21.50% on cash advances, rising to a standard 24.99% after two missed minimum payments in 12 months. Purchases get a 21-day grace period, so pay in full each month or the interest will cost more than the 1% you earn.
Earning rewards
Earning is flat: 1 Brim point per $1 of net purchases, with no categories and no cap. Points are worth 1 cent each, so the base return is 1% on everything, calculated on the Canadian dollar amount of the purchase.
On top of that, Brim Open Rewards offers higher earn rates at participating merchants and bonus points on first purchases there. Brim describes the range as up to 30% back in points, but each offer is merchant-specific and replaces the base rate at that store, so treat it as an occasional extra rather than part of the card's earn rate.
Redeeming rewards
Redemption is simple and fixed at 1 cent per point (cpp). In the app you swipe on any purchase to pay it with points, or in the online portal you click Redeem next to a transaction; you can also apply points as cashback against your statement balance at any time.
The minimum is 100 points ($1), and any purchase counts, not just travel. There is no transfer partner or travel portal, so there is no way to push the value above 1 cpp, but there is also nothing to learn.
Perks & benefits
The insurance is the perk; the rest is modest. There is no complimentary lounge access: the card includes Mastercard Travel Pass, but every visit costs $32 USD per person.
The practical extras are in the app: Installment Pay on purchases over $500, Family Card spending limits for each additional cardmember, real-time notifications, and the ability to lock the card or block foreign and online transactions instantly. Mobile device insurance of up to $1,500 is the most useful non-travel benefit.
Insurance
This is where the card earns its fee. Emergency medical covers up to $5,000,000 per insured person for the first 15 days of a trip if you are 64 or under, or 3 days at 65 and over, with no upper age limit and no need to charge the trip to the card. It covers the primary cardholder, spouse and dependent children, but not additional cardmembers.
Put the trip on the card and you add trip cancellation ($2,000 per person, $5,000 per trip), trip interruption and delay ($5,000 per person, $25,000 per trip), flight delay over 4 hours, baggage delay and loss, and hotel burglary. Trips booked with Brim points count if the taxes and fees go on the card. Rental car collision and loss damage covers rentals up to 48 days on vehicles up to $85,000 MSRP. Most coverage is secondary to other insurance, and the travel coverages are not available to Quebec residents.
My take
I'd get this card if you want strong travel insurance, especially 15 days of emergency medical, for under $100 a year; I'd skip it if you're looking for a card to earn rewards on everyday spending.
The case is about what the insurance replaces. If you would otherwise buy travel medical and cancellation cover for a trip or two each year, the fee is easy to justify, since this card covers every trip in the year and its rental car policy is long enough for a month-long road trip.
What I'd pair it with is a better earner. At 1% back and a 1.5% FX fee, it loses to most cash back cards on groceries and to a no-FX card abroad, so I'd book flights and rentals on the Brim for the coverage and put daily spending elsewhere. The free Brim Mastercard earns half as much and drops the travel medical, trip and delay coverage, so it doesn't replace this one.
The good
- $5,000,000 emergency medical for 15 days, with no upper age limit
- Trip cancellation, interruption, flight and baggage delay, and 48-day rental cover for $89
- Points redeem against any purchase from $1, at a fixed 1 cpp
The catch
- Flat 1% earn rate with no bonus categories
- 1.5% foreign transaction fee
- No welcome bonus and no free lounge visits