Brim Mastercard - No-Fee Foreign Exchange Card!

Brim is using Mastercard exchange rates as its clearly mentioned on https://brimfinancial.com/features


If you see discrepancies feel free to dispute with their support desk.

Brim itself confirmed they are only using the Mastercard rate with 0% markup. Any reference to using "their own exchange rate" in 2018 documentation (when the card was launched) is outdated and abandoned.

Now published on Brim's website:
https://brimfinancial.com/credit-cards

0% Foreign Transaction Fees - For foreign currency transactions, the rate will be the exchange rate set by Mastercard and applied at the time of conversion, without additional surcharge.

--- July 2022 ---

Ignore people still repeating the false info from 2018 about them "making up their own rates" - this is not true - Long time Brim cardholders have used the card several times over the past few months for foreign currency transactions, both online, and on recent trips outside Canada (involving USD, GBP, and Euros), and have confirmed they are using the actual MasterCard rate with 0% markup.
---

"People please remember - it's just a credit card. Keep the personal attacks, accusations of trolling, and other such bad behavior off this site.

Criticizing a company is fair game. So are those posts detailing their positive experiences. There is absolutely no need to insult each other. If you can't discuss the product with civility I strongly suggest you use the ignore button, or better still just move on. there is nothing to be won by throwing out insults." - MrDisco

For reasons unexplained, Brim refuses to do issue cards to residents of the Yukon, the North West Territories, and Nunavut,

If you are a Mint.com user, and also a Brim cardholder, would you please request Brim Financial as an account?


--- 10May18 ---
A somewhat newer Terms and Conditions PDF with both Toronto and 1-800 numbers: Brim Rewards Terms and Conditions: "The Primary Cardmember may call Brim at 1-866-305-2746 (BRIM) Canada and USA or 647-251-2746 (BRIM) (collect) elsewhere..." Press 1 for Anglais, then 0 for a human, etc.
--- end 10May18 ---

Cardholder Terms and Conditions

As of March 24, for those who applied during early February, applications are being processed manually.

Launch Date: TBA.
866-305-2746

--June 25 2018--

Still nobody has cards after credit checks as long as three months ago, and applications submitted as long as five months ago. Brim has not communicated directly with any applicants about the status of their applications other than to request very intrusive identity verifications sometimes involving doctors and lawyers. Nobody knows when, or even if, cards will be coming.

-- June 27 2018 --

Globe&Mail story that Brim is officially launching in Canada: https://www.theglobeandmail.com/busines ... big-banks/

-- late June 2018 --

Magically the AF for the WE version jumped from $129 to $199. This card is waste and there are better options available.

-- July 5th 2018 --

BRIM announces it is sending out cards in batches based on approval dates, the first one being "tomorrow". BRIM is sending notices on Friday July 6th to all applicants approved on or before February 1st, 2018.

ATM foreign cash

LMM552 wrote: ↑ Anyone has used the card to withdraw cash from ATM in other countries? From what I understand it's withdrawn at brims rate with a fixed 5$ fee (plus possibly whatever the ATM may charge, where to go to avoid this?). Is it also possible to load up the card ahead to avoid paying interest? I've heard of stack but it seems like an hassle and it's not available in QC.

TIPIT wrote: ↑ I used it many times in Philippines and Indonesia, from February to April. You are correct, the only charge from Brim is 5$. And yes you can load money into it first to avoid the interest charges.

Whether the foreign ATM is charging you extra depends of the country and the ATM itself. Where are going exactly? Some countries like Thailand, you can go in banks to withdraw a bigger amount (so you get only the 5$ once), but carry large amount of money. Philippines have a 250PHP fee for all ATM (I think it's a country-wide regulation), some countries have different fees for different ATMs...

List of airlines that work with Boingo wifi: Aer Lingus, Aero Mexico, Air Europa, Air France, Air Serbia, Air Seychelles, Alitalia, American Airlines, ANA, British Airways, Cathay Pacific, China Airlines, Etihad Airways, Eurowings, EVA Air, Finnair, Garuda Indonesia, Iberia, Kenya Airways, KLM, Lufthansa, Maindo Air, Qatar Airways, Scoot, Singapore Airlines, Virgin Atlantic, WestJet
May not be available on all aircraft/flights

Boingo on Westjet

bizee-bee wrote: ↑ FWIW, here's a continuation/follow-up to discussion we had earlier related to Boingo connectivity in the skies: http://forums.redflagdeals.com/viewtopic.php?p=30937521

Here are some screenshots of a WestJet flight with successful Boingo WiFi access.


1) wait till WestJet WiFi is available, then open the WestJet mobile app and click at the bottom right "Connect" icon to get to the Internet launch page. Click the Purchase Now button.
2) This launches a web browser into inflight.pacwisp.net, and shows options for purchasing Internet. Scroll down this page till you see the Boingo option
3) click on the Sign in button under the Boingo logo
4) At the Boingo login, key in your username and password and Sign In.
5) Hopefully you see the "You're connected." page. Browse the internet at 39,000'

As @[dnyc] had mentioned previously, if you want someone else to share your Boingo access on the same flight, then you'll need to disconnect from your device first. Go back to WestJet connectivity page, till you see screen 5, and then click on the upper right hamburger icon. At screen 6, choose the Sign out option and your mate can repeat the steps to get Boingo access to WestJet internet.

As @[Dave510] has mentioned in prior posts, you can also replace step 1's WestJet mobile app method, and connect to WestJet Wifi on your own in the Settings' WiFi page, then open a browser and visit westjetconnect.com and then see the option to "Go Online" at the WestJet Home page. It will have a different look but just like the WestJet mobile app method, you'll get redirected to the inflight.pacwisp.net page, and then the steps are basically the same from step 2 onwards.

Register for Boingo Access
Have your credit card number ready and go to:
http://brim.boingo.com

Brim Dispute Department (for chargebacks) Direct Line
1-877-488-4920

Online purchase caveat: Brim does not have 3D SecureCode (Mastercard's online 2FA feature), so any online transaction that requires this authentication will fail.