[wpcode id=\"6346\"]
{{card.name}} Review
![\"\"](\"https://www.dollarwise.ca/wp-content/uploads/2023/06/Brim-World-MasterCard.png\")
{{card.annualFee}}
Annual Fee
{{card.rewards}}
Annual Rewards
{{card.introOffer}}
Intro Offer
{{card.annualFee}}
Annual fee
{{card.rewards}}
Annual rewards
{{card.introOffer}}
Intro offer
Pros
{{Pros}}
Cons
{{Cons}}
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Performance test results
At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.
You can see our full testing methodology here to learn why we're the most trusted source for credit card reviews.
The {{card.name}} has earned a {{ranking}} DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).
{{factor_score_rewards}}
Rewards
{{factor_score_fee}}
Fees
{{factor_score_perks}}
Perks
{{factor_score_interest}}
Interest rates
{{factor_score_insurance}}
Insurance
{{factor_score_acceptance}}
Acceptance
{{factor_score_approval}}
Approval
The highest scoring categories for the {{card.name}} are {{score_1}} and {{score_2}}.
These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.
This weighting allows us to judge cards on their merits and the customers they are designed for.
For the {{card.name}} the most important factors for scoring this card are its {{score_1}} and {{score_2}}.
Rewards
With the {{card.name}}, here's the rates at which you earn rewards for different spending categories per dollar you spend:
| Bills | {{reward_bills}} |
| Pharmacy | {{reward_drug}} |
| Gas | {{reward_gas}} |
| Groceries | {{reward_grocery}} |
| Restaurants | {{reward_restaurant}} |
| Specific Stores | {{reward_store}} |
| Travel | {{reward_travel}} |
| All Other Spend | {{reward_other}} |
Calculating your annual rewards
We estimate that spending {{monthlyspend}} per month with the {{card.name}} would earn {{card.rewards}} in rewards over the year.
Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.
We found that you'd earn this per category:
| Bills | {{bills_dollarrewards}} |
| Pharmacy | {{drug_dollarrewards}} |
| Gas | {{gas_dollarrewards}} |
| Groceries | {{grocery_dollarrewards}} |
| Restaurants | {{restaurant_dollarrewards}} |
| Specific Stores | {{store_dollarrewards}} |
| Travel | {{travel_dollarrewards}} |
| All Other Spend | {{other_dollarrewards}} |
![\"\"](\"http://www.dollarwise.ca/wp-content/uploads/2024/01/Brim-World-MasterCard_dollar_rewards.svg\")
Our study investigating the value found that each dollar spent on the {{card.name}} is worth up to {{card.max_reward}}, depending on how you redeem.
This {{card.rewards}} in rewards value puts the {{card.name}} in the {{decile.annual_rewards}} of credit cards in Canada based on rewards earned.
The average credit card in our database earns {{averages.mean_annual_rewards}} in rewards for the same spend that the {{card.name}} earns {{card.rewards}} in rewards value.
![\"\"](\"http://www.dollarwise.ca/wp-content/uploads/2024/01/Brim-World-MasterCard_rewards_comparison.svg\")
We can compare this card to other options by looking at the earn rate by category.
This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.
For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.
In this example, that's a 10% earn rate on gas.
| Spend | This Card | Average |
|---|---|---|
| Bills | {{bills_earnrate}} | {{averages.mean_bills_earnrate}} |
| Pharmacy | {{drug_earnrate}} | {{averages.mean_drug_earnrate}} |
| Gas | {{gas_earnrate}} | {{averages.mean_gas_earnrate}} |
| Groceries | {{grocery_earnrate}} | {{averages.mean_grocery_earnrate}} |
| Restaurant | {{restaurant_earnrate}} | {{averages.mean_restaurant_earnrate}} |
| Store | {{store_earnrate}} | {{averages.mean_store_earnrate}} |
| Travel | {{travel_earnrate}} | {{averages.mean_travel_earnrate}} |
| Other | {{other_earnrate}} | {{averages.mean_other_earnrate}} |
| Redemption method | Annual rewards |
|---|---|
| Transfer to partner airlines | {{transfer_airlines}} |
| Fixed points travel | {{fixed_points_travel}} |
| Transfer to partner hotels | {{transfer_hotel}} |
| Redeem for travel | {{redeem_travel}} |
| Apply to statement credit | {{statement_credit}} |
| Ticketmaster | {{ticketmaster}} |
| Charity | {{charity}} |
| Gift cards | {{gift_cards}} |
| Amazon.ca | {{amazon}} |
| Merchandise | {{merchandise}} |
| Make investments | {{investments}} |
| Enjoy experiences | {{experiences}} |
| Car rentals | {{car_rental}} |
| Vacations | {{vacation}} |
| Attractions | {{attractions}} |
| Cash rewards | {{cash_rewards}} |
| Grocery rewards | {{grocery_rewards}} |
| Restaurant rewards | {{restaurant_rewards}} |
| Movie rewards | {{movie_rewards}} |
| Apple / BestBuy | {{apple_bestbuy}} |
| Flight rewards | {{flight_rewards}} |
| Airlines Rewards (Charts) | {{airlines_rewards_chart}} |
| CIBC financial products | {{cibc_financial_products}} |
| Air travel - redemptions (scheduled) | {{air_travel_redemptions_schedule}} |
| RBC travel | {{rbc_travel}} |
| Transfer to WestJet | {{transfer_westjet}} |
| Transfer to Hudson Bay | {{transfer_bay}} |
| RBC financial products | {{rbc_financial_products_rewards}} |
| Air Canada gift cards | {{aircanada_gift_card}} |
| Air Canada vactions | {{air_canada_vacations}} |
| Electronics gift cards | {{electronics_gift_cards}} |
| Cash - World Elite | {{cash_worldelite}} |
| Cash - Platinum Plus | {{cash_platinumplus}} |
| Banking plans | {{banking_plans}} |
| Desjardins financial products | {{desjardins_financial_products}} |
| Expedia travel | {{expedia_td}} |
| Educational rewards | {{education_rewards}} |
| HSBC financial products | {{hsbc_financial_products}} |
| Walmart | {{walmart_rewards}} |
| Triangle (Canadian Tire) | {{triangle_rewards}} |
| Meridian travel | {{meridian_travel}} |
| Direct deposit | {{direct_deposit_rewards}} |
| Costco gift cards | {{costco_gift_cards}} |
| Wireless Rogers rewards | {{wireless_rogers_rewards}} |
| 1 Rogers rewards | {{1_roger_rewards}} |
| Other Rogers rewards | {{other_roger_rewards}} |
| Other 1 Rogers rewards | {{other_1_roger_rewards}} |
For an annual spend of {{annualspend}}, we estimated annual rewards value at up to {{total_net_rewards}}.
That's equivalent to a {{total_earn_rate}} return on spending.
The {{card.name}} has an annual fee of {{card.annualFee}}. After deducting this, we predicted net annual rewards of {{net_after_fee}}.
This puts it in the {{decile.net_annual_rewards}} of credit cards for net rewards after fees.
In comparison, the average card earns net annual rewards of {{averages.mean_net_annual_rewards}}.
Fees
The {{card.name}} has a {{card.annualFee}} annual fee.
The average card charges {{averages.mean_annual_fee}}. So, the {{card.name}} is in the {{decile.annual_fee}} of cards based on the cost of the annual fee.
Perks
![\"\"](\"http://www.dollarwise.ca/wp-content/uploads/2024/01/Brim-World-MasterCard_perk_score.png\")
We manually review the perks of each credit card to determine how they compare to other cards.
The {{card.name}} scored a {{factor_score_perks}} out of 5 for perks, putting it in the {{decile.factor_score_perks}} of cards.
The average card scores {{averages.mean_factor_score_perks}} out of 5 for perks.
Interest Rates
| Purchase | {{purchase_interest_rate}}% |
| Cash Advance | {{cash_advance_interest_rate}}% |
| Balance Transfer | {{balance_transfer_interest_rate}}% |
The average (median) credit card has a purchase interest rate of {{averages.median_purchase_interest_rate}} and so the {{card.name}} charges {{purchase_interest_diff}} than the average.
For cash advances it costs {{cash_advance_interest_rate}}% compared to the average of {{averages.mean_cash_advance_interest_rate}}.
Testing the {{card.name}} with a $2,000 starting balance, you can see in the graph how the {{purchase_interest_diff}} in interest rates impacts the interest over a year, compared to the average card.
Insurance coverage
| Insurance | This Card | Average |
|---|---|---|
| Extended Warranty | {{warranty}} | {{averages.median_warranty}} |
| Purchase Protection | {{purchase_protection}} | {{averages.median_purchase_protection}} |
| Travel Accident | {{travel_accident}} | {{averages.median_travel_accident}} |
| Emergency Medical Term | {{emergency_medical_term}} | {{averages.median_emergency_medical_term}} |
| Emergency Medical over 65 | {{emergency_medical_65}} | {{averages.median_emergency_medical_65}} |
| Trip Cancellation | {{trip_cancellation}} | {{averages.median_trip_cancellation}} |
| Trip Interruption | {{trip_interruption}} | {{averages.median_trip_interruption}} |
| Flight Delay | {{flight_delay}} | {{averages.median_flight_delay}} |
| Baggage Delay | {{baggage_delay_insurance}} | {{averages.median_baggage_delay_insurance}} |
| Lost or Stolen Baggage | {{stolen_baggage}} | {{averages.median_stolen_baggage}} |
| Event Cancellation | {{event_cancel}} | {{averages.median_event_cancel}} |
| Rental Car Theft & Damage | {{rental_theft_damage}} | No |
| Rental Car Personal Effects | {{rental_personal}} | {{averages.median_rental_personal}} |
| Rental Car Accident | {{rental_accident}} | {{averages.median_rental_accident}} |
| Hotel Burglary | {{hotel_burglary}} | {{averages.median_hotel_burglary}} |
| Mobile Phone Insurance | {{mobile_insurance}} | {{averages.median_mobile_insurance}} |
| Personal Effects Insurance | {{personal_effects}} | {{averages.median_personal_effects}} |
| Price Protection Insurance | {{price_protection}} | {{averages.median_price_protection}} |
We scored it {{factor_score_insurance}} out of 5 for insurance.
It offers {{insurance_count}} types of insurance, whereas the average card has {{averages.insurance_count}} types of coverage.
Approval and qualifying
| Do I qualify? | |
|---|---|
| Estimated Credit Score | {{credit_score_low}} - {{credit_score_high}} |
| Personal Income | {{personal_income}} |
| Household Income | {{household_income}} |
| Fees | |
|---|---|
| Annual Fee | {{card.annualFee}} |
| Extra Card Fee | $0 |
| Card type | {{card_type}} |
We scored it {{factor_score_approval}} out of 5 for approval.
We predict that you will require a credit score of at least {{credit_score_low}} to qualify for the {{card.name}}, while the average card requires {{averages.mean_credit_score_low}} to qualify.
This puts it in the top {{decile.credit_score_low}} of cards by approval difficulty.
The personal income requirements are {{personal_income}}, while the average card requires {{averages.mean_personal_income}}.
This puts it in the {{decile.personal_income}} of cards by the income required to qualify.
The Brim World MasterCard is a solid credit card option for Canadians who want to gain rewards on everyday purchases. In this review, we will be discussing the earning potential of the card, four key benefits, two drawbacks, and other interesting information about the Brim World MasterCard.
Earning potential
The Brim World MasterCard earns users rewards in the form of Brim Rewards points. Cardholders earn 1.5 points per dollar spent on all daily purchases, with no restrictions or limits on earning. Points can be redeemed at any time on the Brim Marketplace, where points have a value of 1 cent per point (100 points = $1).
Benefits
- No ForeignTransaction Fees: One major advantage of the Brim World MasterCard is that it does not charge any foreign transaction fees. This means that when you use your card for purchases in foreign currencies, you won’t be charged any additional fees to convert the currency.
- Free Global Wi-Fi Access: A second advantage of the Brim World MasterCard is that it offers free access to Boingo Wi-Fi hotspots worldwide. This can be valuable for frequent travelers who don’t want to pay for Wi-Fi access in hotels, airports, or cafes.
- Travel Insurance Coverage: The Brim World MasterCard also includes comprehensive travel insurance coverage, such as trip cancellation/interruption, emergency medical travel insurance, and rental car insurance. This can help protect you from unexpected expenses while traveling.
- Mobile Device Insurance: A fourth advantage of the Brim World MasterCard is the included mobile device insurance. This covers eligible smartphones and tablets up to a certain amount in case of damage or theft. Having this added protection can be a bonus for those who want peace of mind while on the go.
Drawbacks
- $99 Annual Fee: A significant drawback of the Brim World MasterCard is its $99 annual fee. Although the card does offer a variety of useful perks, the annual fee may deter those who are looking for a no-fee credit card option.
- Limited Bonus Categories: Another drawback of the Brim World MasterCard is the lack of bonus categories for earning additional rewards. While the flat rate of 1.5 points per dollar spent may be suitable for everyday purchases, other cards may offer higher rates for specific categories like travel, dining, and grocery purchases.
Additional information
The Brim World MasterCard is compatible with popular mobile wallet services such as Apple Pay, Google Pay, and Samsung Pay. Meaning, you can easily use your phone to make payments with this credit card.
Additionally, Brim Financial occasionally partners with specific brands or retailers to offer additional points on short-term promotions.
In summary, the Brim World MasterCard is an excellent option for Canadians seeking a credit card with no foreign transaction fees, comprehensive travel insurance, free global Wi-Fi access, and useful mobile device insurance.
However, prospective cardholders should consider whether the $99 annual fee and lack of bonus rewards categories are a good fit for their spending habits and needs.
Is the Brim World MasterCard not convincing you? Consider the Rogers Connections MasterCard or the Brim World Elite Mastercard. Still not the right credit card? Make sure not to miss the Amazon.ca Rewards Mastercard.
FAQ
With the Brim World MasterCard, you can redeem your accumulated points for a wide variety of rewards. These rewards include:
- Travel: You can use your points to book flights, hotels, car rentals, and vacation packages through the Brim Travel portal. Additionally, there are no blackout dates or restrictions, allowing you to redeem your points for travel arrangements as per your convenience.
- Statement Credits: You can convert your points to statement credits, which can be applied towards your credit card balance. This gives you the flexibility to use your rewards to cover previous purchases made with your Brim World MasterCard.
- Gift Cards: Redeem your points for gift cards from various retailers, restaurants, and entertainment venues. This allows you to enjoy a wide range of products and services from popular brands across Canada.
- Merchandise: You can also use your points to shop from Brim Marketplace, where you will find a vast assortment of merchandise, including electronics, fashion items, and home goods from various top brands.
- Experiences & Events: Use your Brim World MasterCard points to indulge in exclusive experiences and attend special events like concerts, popular shows, sporting events, and more.
Remember that the value of your points can vary depending on the reward option chosen, so it is essential to compare the redemption values to get the most out of your Brim World MasterCard rewards program.
The Brim World MasterCard offers a competitive advantage in terms of foreign transaction fees, as it does not charge any foreign transaction fees.
Unlike many other credit cards, which typically charge around a 2.5% fee on purchases made in foreign currencies, the Brim World MasterCard allows cardholders to enjoy a fee-free experience while making transactions abroad or in foreign currencies, providing potential savings and convenience to those who frequently travel or shop internationally.
The Brim World MasterCard credit card does not have a minimum income requirement for applicants, making it accessible to a wide range of individuals with varying income levels.
Key benefits
- 19.99% annual interest rate on purchases
- 21.50% annual interest rate on cash advances
- $0 annual fee for basic card, $199 for World Elite option
- 15-30 day grace period on new purchases
- Contactless payment options: tap, mobile wallet
- Embedded chip and PIN technology for added security
- Brim Rewards: 2% on eligible purchases, 1% on everything else
- Access to Brim Marketplace with exclusive offers and discounts
- Emergency card replacement service
- 24/7 customer service support through phone, email, and chat
- Balance transfer and cash advance options available
- Zero liability policy for unauthorized transactions