Brim Financial · Mastercard · cash back
World Elite Mastercard
Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology
Terms read from Brim Financial's page on Oct 16, 2026.
Year 1, after fees
$313
Year 2+, after fees
$313
every year after
3 years, after fees
$939
Break-even
Month 3
Earn rate by category
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $29 | $29 | $88 | Month 10 |
| Couple ($2,555/mo) | $218 | $218 | $653 | Month 4 |
| Family ($3,350/mo) | $313 | $313 | $939 | Month 3 |
| Frequent traveller ($3,880/mo) | $377 | $377 | $1,130 | Month 3 |
| Big spender ($7,960/mo) | $866 | $866 | $2,599 | Month 2 |
Who it suits
- People who want one flat rate on everything.
- Even light spenders: on a student's $985 a month it still earns back its fee.
Who should skip it
- Spending abroad: 1.5% on every foreign-currency purchase.
Fees and rates
- Annual fee
- $89
- Foreign transaction fee
- 1.5%
Rewards
- 1% on everything else
Eligibility and availability
- Income
- None published
- Provinces
- All (no restriction stated)
Published requirements only. We don't estimate approval odds.
Assumptions
- Cash back: Paid in cash, so the value is exact, not an estimate.
- Note: Points are worth 1 cent each as a statement credit, so they're counted as cash.
- Note: Merchant step-up offers and double points at Amazon.ca aren't counted.
Not counted or not confirmed
- Purchase APR and income requirement aren't on the card page.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $313.
Scotiabank Gold American ExpressYear 2+ $940
American Express SimplyCash PreferredYear 2+ $936
CIBC Dividend Visa InfiniteYear 2+ $767
Head to head
Frequently asked questions
Is the Brim Financial World Elite Mastercard worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $313 in year 1 and $313 a year after that, after a $89 annual fee. It covers its fee by month 3.
What is the Brim Financial World Elite Mastercard welcome offer?
There's no welcome offer on the issuer's page.
Does the Brim Financial World Elite Mastercard charge foreign transaction fees?
Yes, 1.5% of each purchase in a foreign currency.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 39 other cards on the Canadian card comparison or read how cards are valued.