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Brim
Air France KLM World Elite Mastercard
Air France KLM World Elite Mastercard®
BrimFlying BlueFirst-Year Annual Fee Rebate
Annual fee
$0 $132
No annual fee the first year
Our valuation
$132
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$132Total$132Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
First Year Annual Fee Rebate
$132 annual fee rebated
Apply Now

on Brim's website

Features
Issuer
Brim
Network
Loyalty Program
Flying Blue
Fees and terms
Annual Fee
$132/yr
Additional card
$50
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
19.99 %
Cash advance
21.5 %
Balance transfer
19.99 %
Foreign transaction fee
2.5 %

Issuer terms

Card features:

  • 60 XP welcome bonus for new cardholders + 30 XP upon renewal on the card’s anniversary
  • No annual fee for the first year (instead of $132)
  • Up to 30 Miles per $1 spent at Merchant Partners
  • 2 Miles per $1 spent on food and drinks (restaurants, bars)
  • 1 Mile per $1 spent everywhere else
Read full review
Rewards
Rate
Restaurants
2x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 15 days
Travel medical (55-64)
$5,000,000 · 15 days
Travel medical (65+)
$5,000,000 · 3 days
Trip Cancellation
$2,000
Trip Interruption
$2,000
Delayed Baggage
$500
Lost Baggage
$1,000
Flight Delay
$500
Hotel Burglary
$2,500
Travel Accident
$150,000
Purchase protection
Coverage
Purchase Protection
$999 · 90 days
Extended Warranty
+1 year
Mobile Device
$1,500 · 1 year
Auto Rental Collision
$85,000 · 48 days
Read full review

Pros

  • First Year Annual Fee Rebate
  • 2x at restaurants

Cons

  • No welcome bonus
  • Requires good credit

With the Air France KLM World Elite Mastercard®, you can earn Flying Blue Miles on all your purchases:

  • 2 miles per dollar on food and drinks
  • 1 Mile per dollar for all other purchases (including at Costco)

As an Air France KLM World Elite Mastercard credit cardholder, you earn 30 XP per year to help you qualify for Flying Blue Elite Status.

This card comes with many insurance coverages for your purchases and travels.

Read full review
Brim World Elite Mastercard
Brim World Elite Mastercard
BrimCash Back
Annual fee
$89
Welcome offer
No current welcome offer
Apply Now

on Brim's website

Features
Issuer
Brim
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$89/yr
Additional card
$50
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
19.99 %
Cash advance
21.5 %
Balance transfer
19.99 %
Foreign transaction fee
1.5 %

Issuer terms

  • Foreign transaction fees reduced to 1.5% on purchases in a foreign currency
  • 1 point per dollar spent, with no cap
  • Accelerated rates at participating merchants through Brim Rewards
  • Premium insurance: trip cancellation and interruption, out-of-province emergency medical, flight and baggage delay, car rental collision, hotel burglary
  • Access to Mastercard Travel Pass
  • Extended warranty and purchase security
Read full review
Benefits
Concierge
Included
Travel Wi-Fi
Included
Travel insurance
Coverage
Travel medical (under 55)
15 days
Travel medical (55-64)
15 days
Travel medical (65+)
3 days
Trip Cancellation
$2,500
Trip Interruption
$5,000
Delayed Baggage
$1,000
Lost Baggage
$1,000
Flight Delay
$500
Hotel Burglary
$1,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$65,000 · 48 days
Read full review

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Requires good credit

The Brim World Elite Mastercard is Brim Financial’s premium card, built for people who shop abroad and want a full travel insurance package.

What the card gives you:

  • Foreign transaction fees reduced to 1.5% on purchases in a foreign currency, compared with 2.5% on most Canadian cards
  • 1 point per dollar on all purchases, with no cap, plus accelerated rates at participating merchants through Brim Rewards
  • A premium insurance package: trip cancellation and interruption, out-of-province emergency medical, flight and baggage delay, car rental collision, and hotel burglary
  • Access to Mastercard Travel Pass, an extended warranty and purchase security

The annual fee is $89, plus $50 per additional card. The annual interest rate is 19.99% on purchases and 21.5% on cash advances.

Read full review
Brim Mastercard
Brim Mastercard
BrimCash Back
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on Brim's website

Features
Issuer
Brim
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$0
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
19.99 %
Cash advance
21.5 %
Balance transfer
19.99 %
Foreign transaction fee
1.5 %

Issuer terms

  • No annual fee, for both the primary card and additional cards
  • Foreign transaction fees reduced to 1.5% on purchases in a foreign currency
  • 1 point for every $2 spent
  • Accelerated rates at participating merchants through Brim Rewards
  • Mobile app with real-time notifications, budgeting tools and a Family Card feature
  • Zero Liability protection
Read full review
Travel insurance
Coverage
Delayed Baggage
✓
Lost Baggage
✓
Flight Delay
✓
Hotel Burglary
✓
Travel Accident
✓
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision
✓
Read full review

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates

The Brim Mastercard is a no-annual-fee credit card from Brim Financial, worth holding mainly for its reduced foreign transaction fees.

What the card gives you:

  • Foreign transaction fees reduced to 1.5% on purchases in a foreign currency, compared with 2.5% on most Canadian cards
  • 1 point for every $2 spent, plus accelerated rates at participating merchants through Brim Rewards
  • No annual fee and free additional cards
  • A mobile app with real-time notifications, budgeting tools and a Family Card feature, along with Zero Liability protection

The annual interest rate is 19.99% on purchases and 21.5% on cash advances. Think of it as a companion card for purchases abroad rather than as your main rewards card.

Read full review
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Brim Credit Cards

Brim Financial offers three Mastercards — the no-fee Brim Mastercard, the Brim World Mastercard, and the premium Brim World Elite Mastercard — all with no foreign transaction fees and a built-in rewards marketplace. Brim points can be redeemed for statement credits, travel, and partner offers.

The No-FX-Fee Advantage

All Brim cards waive the standard 2.5% foreign transaction fee — a rare feature in Canada that makes them strong companions for travel and cross-border online shopping. The World Elite tier layers on travel insurance and airport perks.

FAQ

Frequently Asked Questions

Do Brim cards charge foreign transaction fees?

No. All three Brim Mastercards (Brim, World, and World Elite) waive foreign transaction fees, saving the typical 2.5% surcharge on purchases in foreign currencies.

Is the Brim World Elite worth the annual fee?

If you travel and spend in foreign currencies regularly, the World Elite's no-FX-fee benefit, travel insurance, and rewards can offset its fee. Lighter spenders may prefer the no-fee Brim Mastercard.

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