Brim Financial · Mastercard · Brim Rewards
Reviewed 2026-07-06 · By The Points Standard editorial team
Brim World Elite Mastercard
A capable niche card: the reduced FX fee and deep insurance stack are real, but the flat 1% earn and $89 fee make it a specialist pick rather than a default recommendation.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 5.18/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $89 |
| Welcome bonus | No standing welcome bonus at time of review — check current offers before applying |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $150 |
Earn rates
| All purchases | 1% |
| 250+ Brim Open Rewards partner merchants | 3-30% (varies by merchant) |
Why it earns its score
- Foreign transaction fee capped at 1.5%, below the standard 2.5%
- 12 types of included insurance, unusually broad for an $89 fintech card
- Points redeemable for any purchase or statement credit starting at $1
Where it loses points
- No standing welcome bonus
- 1% flat base rate is unremarkable against no-fee cash-back cards
- $80K personal / $150K household income requirement
Who it's for
Frequent US/international spenders who want a reduced (not zero) FX fee plus a broad insurance package on an independent fintech Mastercard.
Who should skip it
You want a true no-FX card — Scotiabank Passport or Home Trust charge nothing at all, beating Brim's reduced 1.5%.
Included insurance
Travel accident insurance ($500,000) · Emergency medical ($5,000,000) · Trip cancellation ($2,000) · Mobile device insurance ($1,500) · Rental car theft/damage coverage
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.