Brim Financial Mastercard 2024 Review: Canada’s Top No-Annual-Fee Card with Free Global Wi-Fi

Why Canadians are choosing the Brim Financial Mastercard

If you’re looking for a no annual fee credit card that still delivers solid perks, the Brim Financial Mastercard is worth a close look. This card gives Canadians a straight 1% back (via Brim points) on everyday spending and keeps things simple for redeeming rewards.

Brim Financial Mastercard stands out in Canada because it removes common pain points: $0 annual fee and no foreign transaction fees, which saves you money whether you’re shopping in Toronto or travelling overseas. The card’s marketplace and boosted merchant offers also help you stretch every dollar further.

Rewards, Brim points and redemption flexibility

Brim points are easy to earn and straightforward to use — 1 point per $1 spent equals approximately 1% cash back, and you can redeem points starting at low thresholds. The Brim eShop and accelerated offers let you stack extra points at partnered retailers, helping you build rewards faster.

Redemption is flexible: apply points to your statement, cover individual transactions, or lower a balance. For Canadians who don’t want complicated tiers or expiry headaches, the Brim Financial Mastercard delivers practical value with constant, usable rewards.

Travel-friendly perks: free global Wi-Fi and no FX fees

For frequent travellers, the Brim Financial Mastercard is a winner thanks to zero foreign transaction fees and free global Wi‑Fi through Boingo, giving access to over a million hotspots worldwide. That makes it ideal for trips across Europe, the U.S., or longer getaways from Vancouver to London.

On top of connectivity, the card includes mobile device insurance (coverage limits apply) and event ticket protection, rare features on a no-fee card. These protections reduce out-of-pocket risk while you’re on the road or attending concerts and sporting events in Canada.

How to apply, security and everyday conveniences

Applying for the Brim Financial Mastercard in Canada is straightforward online; expect to provide basic ID and banking details, and approvals typically favour applicants with a solid credit history. Payments can be made via Interac e‑Transfer or online banking for convenience across Canadian banks.

Security on the Brim platform is strong, with encryption and two-factor authentication and instant transaction alerts. The Brim app allows card locking and real-time controls, giving peace of mind to Canadians who want instant control over their account without calling a helpline.