BRIM Mastercard
1.4/5
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$120
$120 in years after
Annual Rewards
$120
First Year Bonus
$0
Annual Fee
$0
First Year Value
$120
Interest Rates
Cash Advance: 21.50%
Purchase: 19.99%
Balance Transfer: 19.99%
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Cash Back
Our Rating
1.4/5
Institution
Brim Financial
Rewards
- 0.5x point per $1 spent on all eligible purchases, where each point equals to $0.005, equivalent to a 0.5% cash back
BRIM Mastercard Cash Back Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
All purchases
$120
Net Annual Rewards
$120
Rewards Summary
Net Annual Rewards
$120
First Year Card Bonus
$0
First Year Card Value
$120
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Travel Accident
$300,000
Event Ticket Cancellation
$1,000
Mobile Device Insurance
$500
Benefits
Details
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspot worldwide
Low Foreign Transaction Fees
Foreign transaction fee of only 1.5% compared to 2.5% with most other credit cards
Pros & Cons
Pros
- No annual fee: The Brim Mastercard comes with no annual fee, making it a budget-friendly option for everyday use.
- Low foreign transaction fees: Rare for a no-fee card, this feature allows you to only pay 1.5% on foreign exchange transactions compared to the usual 2.5% charged by other cards.
- Wide acceptance of mobile wallets: Supports five mobile wallets, including Apple Pay, Google Pay, and Samsung Pay.
- Access to bonus rewards: Earn up to 30% cash back with Brim’s network of over 250 retail partners.
- Event ticket cancellation insurance: A unique feature that covers cancellations of tickets for events like concerts or sports games.
- Complimentary Boingo Wi-Fi: Free access to over 1 million global Wi-Fi hotspots.
Cons
- Low earn rate: Only 0.5% cash back on all purchases, which is below the average for no-fee cards.
- Poor customer service reviews: Many users report frustrating experiences with Brim’s customer service.
- Basic insurance coverage: Offers only five types of insurance, lacking comprehensive travel protection available with other cards.
- High foreign exchange fees: Some users report a return of foreign exchange fees, impacting the card’s value for international use.