Brim Financial World Elite Mastercard
Last updated:
$199/year
Opens issuer website
Key Details
Annual Fee
$199
Network
mastercard
Credit Required
good, excellent
Reward Type
points, travel
Rewards Earn Rates
1x
Groceries
1x
Gas
2x
Dining
2x
Travel
1x
Everything Else
Highlights
- $199 annual fee
- No foreign transaction fees
- 2x points on travel and dining
- 1x on everything else
- LoungeKey access
Pros & Cons
Pros
- + No foreign transaction fees
- + LoungeKey airport lounge access
- + Works at Costco (Mastercard)
- + Interest-free installment plans
Cons
- – $199 annual fee
- – Brim is newer/less established
- – Points value can be inconsistent
- – $80,000 minimum income
Who Is This Card For?
The Brim Financial World Elite Mastercard is best suited for Canadians who prioritize travel, no-fx-fees, lounge-access spending. At $199/year, it's worth it for those who spend enough in bonus categories to offset the fee.
Benefits Breakdown
No FX Fees
Lounge Access
LoungeKey
Extended Warranty
Purchase Protection
Rental Car Insurance
Insurance Coverage Details
Ways to Reduce the Annual Fee
- No FX fees makes this card shine for travel and international online shopping
- LoungeKey access included
- Pay-over-time feature lets you split purchases into installments
Multi-Card Strategy
One of few premium Mastercards with no FX fees AND lounge access. Works at Costco. Pair with a high-grocery-earn card.
See full multi-card strategies →Is this card worth it for you?
Use our rewards estimator to see how much you'd earn based on your spending.
Frequently Asked Questions
Ready to Apply?
Visit the issuer's website to confirm current terms and apply.
Apply for Brim Financial World Elite MastercardAffiliate link · Disclosure
Similar Cards to Consider
Scotiabank Gold American Express Card
AmexScotiabank · $120/year
Earn up to 40,000 Scene+ points
Pros
- +Exceptional earn rate on everyday spending
- +Scene+ points are versatile (travel, movies, groceries)
- +Strong welcome bonus
Cons
- –$120 annual fee
- –American Express not accepted everywhere
American Express Cobalt Card
AmexAmerican Express · $156/year
Earn up to 30,000 Membership Rewards points
Pros
- +Industry-leading 5x on dining and food delivery
- +Monthly fee structure is easier to manage
- +Amex Membership Rewards points are very flexible
Cons
- –Annual fee of ~$156
- –Amex not accepted everywhere in Canada
CIBC Aeroplan Visa Infinite Card
VisaCIBC · $139/year
Earn up to 20,000 Aeroplan points
Pros
- +Valuable Aeroplan points for Air Canada flights
- +Companion buddy pass once per year
- +Insurance package included
Cons
- –$139 annual fee
- –Earn rate is modest outside of travel
Sources
Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.