Brim Financial is a Canadian fintech company that focuses on premium credit card products. Its cards stand out for having no foreign transaction fees, strong travel rewards, and a flexible points system. Brim offers several card tiers ranging from no-annual-fee to premium travel cards with lounge access and comprehensive travel insurance.
The entry-level Brim card has no annual fee and earns 1 Brim Point per dollar spent. Most importantly, it has zero foreign transaction fees — a rare feature on a no-fee card. This makes it an excellent secondary card for international purchases and travel.
Earns 2 points per dollar at select partner retailers and 1 point per dollar elsewhere. Includes travel insurance (flight delay, lost baggage, emergency medical), purchase protection, and zero foreign transaction fees. The $99 fee is competitive for the insurance package included.
The premium tier adds airport lounge access (Priority Pass), higher insurance limits, extended warranty, and 2 points per dollar on all purchases. For frequent business travellers, the lounge access alone can justify the fee.
Brim Points are worth 1 cent each when redeemed for statement credits or travel bookings. There is no complex redemption math — 100 points = $1.00. Points can also be used to pay for purchases at checkout with participating merchants.
Brim is best for Canadians who travel internationally or shop from US and international retailers frequently. The zero foreign transaction fee saves 2.5–3% on every international purchase — meaningful savings for anyone spending $5,000+ per year on travel or cross-border shopping. The World Elite card is worth considering for frequent flyers who value lounge access and comprehensive travel insurance.
Brim is a credit card focused on travel rewards; KOHO is a prepaid everyday banking account. They don't compete directly. KOHO is your primary no-fee banking account for daily Canadian spending. Brim is a specialized travel card for international purchases. Using both together — KOHO for domestic everyday purchases and Brim for travel and US online shopping — is a smart zero-fee combination for travel-conscious Canadians.
KOHO offers free banking with no monthly fees, no minimum balance, and no credit check. Available to all Canadians. Use code 45ET55JSYA for a bonus when you sign up — it takes just minutes to open online.
Open KOHO Free — Use Code 45ET55JSYABrim Financial earns a strong recommendation for Canadians who travel or shop internationally. The no-foreign-transaction-fee feature on even the free card is valuable, and the premium tiers offer competitive travel benefits. For everyday Canadian banking and cash back, start with KOHO, then add Brim for international spending.