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Introducing Brim Open Rewards

An easy to use and flexible digital rewards experience built to reward your lifestyle with unlimited earning potential.

Unlimited and uncapped

Rewarding your lifestyle isn’t so complicated with Brim Open Rewards.

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Open Rewards FAQ

Brim Open Rewards is a new loyalty platform that is changing the Canadian landscape by opening up how you earn your points and where you can redeem your points. We looked at the existing loyalty structures in Canada today and found that they were too stale, too constrictive, and too unfair. So, we’ve put Canadians back in control of their points.

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 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!

Installment plans right at your fingertips.

From fancy bikes to travel tickets to furnishing a new apartment, pay on your terms by setting up smaller monthly payments that won’t affect your available credit. Use your Brim App or Portal to instantly install your purchases.

0% interest | Fixed installment fee **

Brim is the first in Canada to offer fully embedded digital installment plans.

**Installment Fee covers the entire Installment Plan Term and is payable in the first month.

Coffee Table $399
White couch $599
Grey Chair $199



Earn 1,197 points or more




@ 7% = 83.79

Select the installment plan that fits your lifestyle:
* A monthly processing fee of $4.75 per $1,000 will apply (equivalent to 0.475% of the purchase price charged monthly).** Installment Fee covers the entire Installment Plan Term and is payable in the first month.

Installments FAQ

Brim’s Installment Pay is a truly unique feature that allows you to divide purchases over $500 into smaller monthly payments – making it easier for you to manage bigger purchases when you need to.

Whereas traditional installment programs require you to fill in lengthy applications at the point of sale in their stores, Brim’s Installment Pay is fully embedded in our Portal and App, which means you can install your purchases from wherever you are.

Did we mention that it can also free up your available credit? Please see Brim’s Cardmember agreement and disclosure statement for eligibility and all terms and conditions.

Nope! Brim charges 0% interest. Instead, Brim charges a fixed installment fee up front. This fixed installment fee is 7% of the overall purchase price and is added to your first statement. Your monthly payments thereafter are simply the original purchase price divided by the number of months you have chosen to install over, plus a small monthly processing fee of 0.475% of the original purchase price.

Brim’s Installment Pay is done completely online or in-App, making it incredibly easy to use from wherever you are. It also bypasses lengthy applications at the merchant’s checkout. Simply select an eligible transaction under the Installments tab, choose a duration that’s right for you and install!

You can install any eligible purchase you make that is over $500. It doesn’t matter if you made this purchase in-store or online, as we’ve embedded our installment program directly into your Portal or App. You cannot install restaurant, grocery, or liquor purchases.

Brim will be offering discounted or no fixed installment fees at participating retailers. All installment offers are also viewable in Brim’s Marketplace on the Portal and App.

Your monthly installment(s) payment and processing fee will show up in your monthly statement and will be reflected in your minimum payment for that billing cycle.

Absolutely! You will earn all your points on the original purchase price.

Our Installment Pay plans range from 12 to 24 months. You choose what works best for you!

Yes! You can call Brim’s Member Services to cancel your installment plan.

Using Installment Pay opens up your credit available so you’re able to continue to spend on your Brim Card. After you set up your installment plan, your available credit will free up and will be decreased only by your monthly installment amount and the fixed installment fee.

Brim’s Installment Pay program is not available in Quebec. We are working on it!

Boingo plane with Wi-FI Banner

Free Global Wi-Fi

Access to over 1 million Boingo Wi-Fi hotspots in airplanes, airports, trains, hotels and cafes around the world. Enrollment is easy and all you need to do is set up an account at the time of card activation and download the Boingo app.

Free Global Wi-Fi offered by

Free Wi-Fi FAQ

Boingo is an award-winning Wi-Fi service that gets you connected to over 1 million public hotspots worldwide, including airplanes and hotels! Check out to learn more.

Being a Brim member gives you access to Boingo’s Global Wi-Fi offering. It’s Boingo’s strongest and most comprehensive coverage package. If you sign up through Boingo, you’d pay $39 USD/month!

Once you activate your Brim card, you’ll receive an email from us confirming your activation. This email contains a link to that will take you to the Boingo website to set up your account.

Signing up for Boingo is super easy and takes under a minute.

1. Go to
2. Type in your Brim Card number
3. Create a Boingo username and password
4. Download the Boingo app and find a hotspot

You’ll have free Wi-Fi access on participating airlines, airports, trains, hotels, restaurants and cafes that might have otherwise charged you. Go to and type in a city, street, or postal code to find out how you can benefit from a free Boingo account. 📍

We just couldn’t fathom that in 2018, we’re still being charged extraordinary prices for Wi-Fi while flying, at airports or simply traveling outside of Canada. We decided to help address this unnecessary burden for Brim members.

We don’t believe in one-time perks with limits. You’ll have free Boingo Global Wi-Fi for as long as Mastercard and Boingo keep up their great partnership.

Go to to learn more about Boingo’s Global Wi-Fi offering. Still have questions? Please view our Boingo Wi-Fi Access Terms and Conditions document on Brim’s legal page or contact our Member Services team.

0% Foreign Transaction Fees*

Brim will not charge any foreign transaction fees on purchases in another currency, online or abroad. Most banks charge you 2.5%**.

* For foreign currency transactions, the rate will be the exchange rate set by Brim and applied at the time of the conversion, without additional surcharge.

** Avg. foreign exchange fee charged by Canadian banks.

Your Foreign Transaction savings


Adjust your foreign currency spending below

* For foreign currency transactions, the rate will be the exchange rate set by Brim and applied at the time of the conversion, without additional surcharge.

** Avg. foreign exchange fee charged by Canadian banks.

Foreign Transaction FAQ

A foreign transaction fee is a surcharge that appears in addition to your foreign exchange rate when you make a purchase in a currency other than Canadian dollars (CAD). This surcharge is on average 2.5% of your purchase price with most other banks and credit cards. With your Brim card, you will save this surcharge on all of your purchases when you’re travelling abroad or when shopping online.

Let’s call it what it is… a money grab. Credit card issuers often use the exchange rate set by their network, Visa, American Express or Mastercard, and then charge an additional surcharge for using your card in another currency. We don’t do that.

We have built our company around transparency and equity. We do not believe in charging our members when Brim doesn’t incur a surcharge.

The amount you’re being charged for foreign transactions can be found in the disclosure statement of your current credit card as well as on your monthly statement when you make a foreign transaction.

If you ever travel abroad or shop online in foreign currencies, you’ll be able to save money!

We’ve got you covered

An outline of an iPhone

Mobile Device Insurance

Protection for your mobile devices in the event of loss, theft or accidental damage.

 An outline of a ticket

Event Ticket Protector Insurance

Sporting, theatre, or concert tickets – reimbursement of the non-refundable portion if you have to cancel for a covered reason.

An outline of a heart with a Band-Aid

Common Carrier Accident Insurance

Extra protection for you and your loved ones when you’re travelling.

All insurances are underwritten by RSA logo

Insurance FAQ

Please refer to Brim’s card comparison chart for brief descriptions on the insurances offered by Brim. Further insurance details can be found in the Insurance Certificates and the Insurance Footnotes documents, found under the Brim legal page:

Please call Brim’s insurance partner RSA at 1-833-429-2746 for any questions related to Brim’s insurance benefits.

Brim keeps you on track

Brim 360 Budget Tracker on iPhone and tablet

Know how you spend

With the Brim app, you can track your spending month to month so you can easily identify when you need to cut back, and when you have a little leeway to shop.

Set spending limits

Set spending limits by category that are unique to your budget and be notified if you are approaching or exceeded your limits.

Payments that clear real-time

Payments made on the Brim website via Interac Online clear and open up your credit available in real time. No more having to pay through your financial institution and wait 2 to 3 days to use your credit card again.

Brim 360 Budget Tracker on iPhone and tablet

Tracking FAQ

Pay your balance, your way, with Brim. The following options are accessible through the Brim Portal or App, under “Make a Payment”.

1. Interac Online

Payments made using Interac Online through our web portal are posted in real-time, giving you instant access to your available credit.

If you have both an Interac and Visa Debit or Debit Mastercard logo on your debit card, please use Interac e-Transfer or go through your financial institution to make a payment, as this method is currently unavailable for these card types.

2. Online Banking

We currently accept payments from all major Canadian financial institutions. Simply add Brim Financial as your bill payee.

Payments made through Bill Payment generally take between 2 – 3 business days before it is reflected in your account.

3. Cashback

You can use your earned points as cashback to pay down your balance at any time. Simply enter the amount of points you want to redeem as cashback and it will be reflected in real-time in your Brim account.

4. Mail

Cheques sent by mail can take between 5 and 10 business days and will give you access to your available credit after your payment is received and processed.

Please Note: if normal postage service is disrupted, you still have to make your payment on time.

Simply go to Brim’s Budget page in the Brim Portal or App. Using Brim’s My Spend, you can track your daily spending habits on a monthly basis. This makes it very easy to understand how much you have spent this month relative to previous months.

When you first go to the My Budget tab, you’ll be prompted to set monthly spending limits for your overall account or in specific categories. We will then notify you as you approach your limit so you can adapt your spending habits to meet your budget goals. You can always edit your customized budget through the Brim Portal or App.

Brim with control

With Brim’s Family card feature, you can set monthly spending limits for those that are tied to your account as an Additional Member. It is perfect for managing your children’s spending while also teaching them fiscal responsibility.

Family Card FAQ

Brim’s Family Card allows you to set monthly spending limits for the additional cardmembers on your account. Perfect for monitoring purchasing and promoting smart spending.

You can add an additional cardmember to your account at time of application, activation or anytime thereafter in the Brim Portal or App.

You can set spending limits when you’re activating your Brim Card, or anytime thereafter in the Brim Portal or App. Spending limits can be set once we have created the account in our system, which typically takes a few days after adding an additional cardmember.

To remove a user from your account please contact our Member Services team.

From approval to having the new card in hand, it’ll take about 2-5 business days. ⚡

You’ll be able to see all the purchasing activity of your additional cardmembers in your Portal or App. You can also filter by additional cardmember to track purchasing an individual level. If you prefer to track their spending real-time, you can also set up purchase notifications via email or mobile push notification.

If you don’t set a spending limit, your additional cardmember’s card will act like a regular authorized user’s credit card. You can still take advantage of other Brim offerings like real-time purchase notifications.

All you have to do is pay your balance. Your outstanding balance reflects the sum of all transactions made with Brim cards tied to your account. If you set a monthly spending limit and one or more of your additional cardmembers require a higher limit, you can easily adjust their monthly limit in the Brim Portal or App.

1. Log in to your account on the Brim Portal or App
2. Visit the “My Account” page and select “My Cards”
3. Make your changes! 👍

Yes! All points earned accumulate to the primary cardmember’s account. Only the primary cardmember can redeem points.

Additional Cardmembers can enjoy a number of Brim perks. They have access to the Brim Portal and App, where they can easily track their monthly spend, set budget limits and have full access to the Brim Marketplace. They can also enjoy no foreign transaction fees on purchases made in another currency, in-store or online, and have access to free Boingo Global Wi-Fi.

Additional Cardmembers are unable to make redemptions or set up installments.

Choose your Brim Card*

Brim Standard No Fee Credit Card


Brim World Credit Card

Brim World

Brim World Elite Credit Card

Brim World Elite

*Brim cards are Brim Mastercard®, Brim World Mastercard® and Brim World Elite® Mastercard. Mastercard, World Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated, used under license.

Other Benefits FAQ

The Brim World and World Elite Cards give you LoungeKey membership and access to hundreds of exclusive airport lounges around the world, regardless of airline, frequent flyer membership, or class of ticket. Please note, it will cost you $27 USD per visit, per person. You can find more information about LoungeKey here, including the full list of accessible airport lounges around the world.

Simply show your Brim World or World Elite card at participating airport lounges around the globe. Your card will subsequently be charged and you have access to lounges hassle-free. You can download the Mastercard Airport Experiences App to easily find participating lounges around the world.

Brim will be launching Apple Pay in the spring. Both Google Pay and Samsung Pay will join shortly thereafter.