Sparks and BloomPowered by Milesopedia
Best for: Overall value
3.0Ratesopedia rating

You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $134.

Annual Fee
$89
Rewards rate
1x

Cash Back

Welcome Bonus
1st Year Value
$134

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Requires good credit
Best for: No annual fee
3.3Ratesopedia rating

The Brim Mastercard has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 0.5x at restaurants. Estimated first-year value is $112.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
1st Year Value
$112

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates

Complete Guide

Best Brim Credit Cards in Canada

Compare Brim Mastercards. No foreign transaction fees across the lineup and a built-in rewards marketplace.

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.

3

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1Do 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.

2Is 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.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.