Brim Financial
Brim Standard Mastercard
Still open to new applicants as of August 2026 - Brim Financial continues to issue this card despite scaling back its consumer rewards. No annual fee and no fee for additional cards. Earn 1 point per $2 spent, plus up to 30% back in points at 250+ partner merchants. Points never expire and redeem as cash back from just $1. Important: Brim removed its signature no-FX-fee benefit in May 2024 - a 1.5% foreign transaction fee now applies, and base earn rates were cut in half. Installment Pay lets you split purchases over $500 across 12-24 months at 0% interest for a one-time 7% fee.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
19.99% (purchases)
FX fee
Not stated by issuer
Grace period
Not stated by issuer
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 1 point per $2 spent (0.5% base return) plus up to 30% back in points through Brim Open Rewards at participating merchants
- points do not expire and redeem as cash back from 100 points ($1)
- 1.5% foreign transaction fee
- Installment Pay on purchases over $500 at 0% interest over 12-24 months for a one-time 7% fee
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 |
| Purchase APR | 19.99% (purchases) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 21.50% (balance transfers treated as cash advances; interest from transaction date) |
| Balance transfer fee | Treated as a cash advance: $3.50 in Canada, $5.00 outside Canada |
| Cash advance | $3.50 in Canada; $5.00 outside Canada |
| Foreign exchange fee | Not stated by issuer |
| Grace period | Not stated by issuer |
| Network | Mastercard |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.