Brim’s headline perk— available with all three cards—is that there are no foreign transaction fees whether you’re shopping online or in-person—saving you 2.5% right off the top on all purchases made in a non-Canadian currency.
Putting the spotlight on the entry-level no-fee card, the Brim Mastercard has a rewards system that gets you 1 point per $1 spent everywhere. Plus, you can earn bonus points at certain retailers, like up to 4x the points at Microsoft and Nike. Points can be redeemed for statement credits against any purchase made with your card in increments of 100 points for $1, meaning that this Mastercard effectively works like a cash back card. You manage your rewards through the Brim mobile app, and the credit card can also be added to any mobile wallet.
|BRIM Mastercard||BRIM World||BRIM World Elite|
|$0 annual fee||$99 annual fee||$200 annual fee|
|1 point per $1||1.5 points per $1 (up to $25,000 in annual purchases; 1 point per $1 spent thereafter)||2 points per $1 (up to $25,000 in annual purchases; 1 point per $1 spent thereafter)|
|No FX Fees||No FX Fees||No FX Fees|
|No specific income required||$60,000 income required||$100,000 income required|
Best Mastercard for groceries
If you buy your groceries at Loblaws-affiliated stores (including Real Canadian Superstore, No Frills and Fortinos), you should definitely be paying for them with your PC Financial World Elite Mastercard. This card, which carries no annual fee, allows you to rack up substantial points in the ever-popular PC Optimum program at an attractive earn rate of 30 points per $1 at Loblaws stores, PC Travel and Esso; 45 points per $1 at Shoppers Drug Mart; and 10 points per $1 everywhere else. Points can be redeemed in denominations of 10,000 points for $10 off groceries, drugstore items or anything else available where PC products are sold. Worthy to note: There is a new $15,000 minimum annual spending requirement.
Best no fee travel card
Travellers love flexibility—and with the MBNA Rewards Platinum Plus Mastercard, you can choose how you earn your rewards, whether it be travel, cash back, merchandise or charitable donations. With numerous opportunities to collect bonus points on top of the two points for every $1 spent on groceries and restaurants, and one point per $1 on everything else, you’ll rack up the rewards in no time. And, you don’t need to rush to redeem; your MBNA points never expire.