Brim World Elite Mastercard

Brim World Elite Mastercard

One of the best credit cards for insurance and no-FX fee.

Welcome Bonus

up to 30,000 points



Best For

Annual Fee


First Year Annual Fee Rebate (terms apply)
Purchase Rates

19.99 %

Cash Advance Rates

21.5 %

Balance Transfer Rates

19.99 %


  • Welcome Offer: Get up to 30,000 points – 25,000 points when you spend $3,000 in the first 3 months plus 5,000 points on your first anniversary, and the $150 annual fee waived in the first year.*
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes* ($140 Value/Year).
  • Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases*
  • Get 2 points for every $1 spent everywhere else*”
  • Points you can use to cover all flight charges & taxes*
  • Fly on any airline, with no blackout dates*
  • Best-in-class travel and medical insurance (unlimited trips per year)*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada

Fees & Conditions

Personal Income $80,000
Household Income $150,000
Annual Fee $199
First Year Annual Fee Rebate
First Additional Card $50
Other Additional Card $50
Foreign Transaction Fee 0.00%
Purchase Rates 19.99%
Cash Advance Rates 21.5%
Balance Transfer Rates 19.99%


Welcome Bonus up to 30,000 points
Minimum Spending Timeframe 90 day(s)
Rewards Type Cash Back
All Spending 2
Travel 2
Local Transport 2
Dining and Food delivery 2
Entertainment 2
Online transactions 2
AIR MILES partners 2
Air Canada 2
Streaming services 2
Wifi Access


For all the credit card offers, we estimate the first year Offer Value according to:

  • Value of the Cashback or Points earned with the Offer
  • Value of the Benefits or travel credits earned with the Offer
  • Annual fee offer (first-year rebate or not)


Offer Value calculation
for the first-year
Point Value (according to milesopedia) 0.7 ¢
Welcome Offer Value ≈ $175
Points earned with minimum purchases to get the Welcome Offer
(2 to 3 points per dollar)
≈ $63
4 annual passes for Airport Lounges
(≈ $35 / visit)
≈ $140
Annual fee $0
Estimated Value ≈ $378



Common Carrier Travel Accident Insurance Amount $500,000
Flight Delay Insurance Amount $500
Lost/Stolen Baggage Insurance Amount $1,000
Trip Cancellation Insurance Amount Per Person $2,500
Trip Interruption Insurance Amount Per Person $5,000
Travel medical insurance up to 64 years old
Travel medical insurance up to 64 years old - Duration 15 day(s)
Travel medical insurance 65+
Auto Rental Loss/Insurance - Amount MSPP $65,000
Purchase Protection - Amount $60,000
Purchase Protection - Duration 90 day(s)
Medical Travel Insurance
Extended Warranty
Extended Warranty - Duration 1 year(s)
Insurance Document Learn More