Pros & Cons
Pros
- +Purchase protection included
- +Travel medical insurance included
Cons
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Our Review
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.
Rewards
All Spending
1x
Cash Back pts per dollar
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See how much you could earn with this card based on your spending.
Cashback earned
$300
$/yr
Estimated Value
$300
After Fees
+$211
1st Year Value
$211
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel medical (under 55)
Included
Travel medical (55-64)
Included
Travel medical (65+)
Included
Trip Cancellation
Up to $2,500
Trip Interruption
Up to $5,000
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $1,000
Flight Delay
Up to $500
Hotel Burglary
Up to $1,000
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Up to $65,000 / 48 days
Fees and interest rates
- Annual Fee$89
- Additional card fee$50
- Foreign currency conversion fee1.5%
- Purchase Rate19.99%
- Balance transfer rate19.99%
- Cash advance rate21.5%
Perks & Benefits
Concierge Service
24/7
Wi-Fi access
Included
Accepted at Costco
Included
Eligibility
Personal Income
$80,000
Household Income
$150,000
Terms & Conditions
Card Features
- 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
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Retraite101 may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Brim. All trademarks are property of their respective owners.