Join the world's largest open loyalty and rewards ecosystem

Brim is the first credit card loyalty program in Canada to allow you to redeem on any purchase at anytime, anywhere that Mastercard is accepted. While other loyalty programs restrict your ability to redeem, whether that’s on very specific travel options, at specific grocery stores, or as cashback at the end of the month or year, Brim does the opposite: Brim allows you to redeem for groceries, travel, a new computer, or even for your morning coffee. You can also redeem your available points as cashback at any time against your statement balance.

You no longer have to choose between a travel card, a grocery card, or a cashback card – it’s all in one.

We’ve put you in control of your points to do with them as you wish.

Brim also opens up how you earn your points. In a traditional loyalty program, you would earn 1.5% or 2% on very specific categories, such as Groceries or Gas, and then 1% on everything else. But what about your morning coffee? Or your lunch spot? Or your annual Netflix subscription? Why aren’t you rewarded for your continued loyalty? Why do you earn the same number of points as the guy who’ll never shop there again?

Brim has said goodbye to stale categories. While you continue to earn your base rate on all of your purchases sometimes we’ll replace it with something even better: you can take advantage of accelerated earn offers the more you shop at participating retailers – restaurants, coffee shops, travel and more. As an example, you could earn 2 points on every $1 spent on your first visit, 4 points for every $1 spent on your third visit, and 10 points for every $1 spent on your 6th visit. You can browse all available offers and track what level of earn you’re at on the Brim Marketplace – in the Brim Portal and App.

Absolutely. Instead of redeeming against a specific transaction, pay your balance directly with your earned and available points. This can be done at any time against your statement balance, not just at year end like traditional cashback platforms. It’s a more convenient and flexible method of cashback – and who doesn’t love that?

Points are earned on a per transaction basis, as long as your account is in good standing. Brim cards have base earns, but what’s unique about the earn rates on our loyalty platform is that you can take advantage of accelerating step up earn offers at participating retailers. The more you shop at their stores, the more the earn rate per dollar spent increases. In essence, it’s rewarding you for your loyalty with merchants that have accelerated earn offers with Brim. All available offers can be viewed in the Brim Marketplace, both in Portal or App.

It’s the bread and butter of Brim Open Rewards! Think of it as an open Marketplace, where retailers are bidding on your business by offering special increased earn offers, accelerated step up offers the more you shop at their stores, and redemption multipliers so that you purchase and subsequently redeem at their stores for significant discounts. Brim Marketplace is fully interactive and allows you to filter and sort by category, location, trending, hot deals, online versus in-store, and so much more. Brim Marketplace will be launching this spring, and will be available both through the Brim Portal and App.

Nope! We do all the heavy lifting 💪. All you need to do is look at the Brim Marketplace for participating merchants and purchase the products or services you’d like with your Brim Card, online or in-store. We’ll capture everything on our side and even notify you by email or in-app notifications of your accelerated earn amount.

No way! Brim Open Rewards is uncapped and unlimited, which means you can continue to take advantage of all the offers available to you in the Brim Marketplace no matter how much you spend on your Brim Card.

Brim was founded on equitable values. No matter which card you have, all Brim members can take advantage of step up accelerator offers and redemption multipliers on the Brim Marketplace. The main difference between the cards is in your base earn value where there are no Brim Marketplace offers. Please see the card comparison chart for details on base earn for the three cards.

Brim will be offering earn multipliers at participating merchants. Double the points on purchases at Amazon.ca are limited to your first $10,000 in annual spend on Amazon (including taxes and delivery charges) and will return to your base earn thereafter.

You can redeem your points by clicking the “Redeem” button next to your transaction(s) in the Brim Portal. On the Brim App, just swipe left!

A redemption (burn) rate is the dollar amount that you can redeem a single point for. You may have recently heard this term because many Canadian financial institutions are shrinking their burn rate to reduce their outstanding loyalty commitments. This means that your points may have just lost up to 40% of their value! Plus, these notices are often hidden in the tiny fine print – so be sure to ask your financial institution if your points are still worth what they should be worth!

While others are shrinking your points value, we’re multiplying it.

Brim’s base redemption rate on any purchase, or as cashback, is 1 point = $0.01. And, on Brim Open Rewards we offer redemption multipliers with some merchants for their products or services which means your 1 point could be worth $0.015, $0.02, $0.03 or more!

Points can be redeemed starting at $1.00 (100 points)! 🎉

Your points won’t expire for as long as your Brim account remains open and in good standing!