Spend Smarter Everyday

A Higher Definition of Rewards

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    Access hundreds of offers with your favourite local & global brands
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    Unlimited Rewards
    Earn more on everyday spending with up to 30% back in points
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    Receive bonus rewards on first time and milestone purchases
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Rewards FAQ

Brim Open Rewards is a new loyalty platform that is changing the Canadian landscape by opening up how you earn your points and where you can redeem your points. We looked at the existing loyalty structures in Canada today and found that they were too stale, too constrictive, and too unfair. So, we’ve put Canadians back in control of their points.

Brim is the first credit card loyalty program in Canada to allow you to redeem on any purchase at anytime, anywhere that Mastercard is accepted. While other loyalty programs restrict your ability to redeem, whether that’s on very specific travel options, at specific grocery stores, or as cashback at the end of the month or year, Brim does the opposite: Brim allows you to redeem for groceries, travel, a new computer, or even for your morning coffee. You can also redeem your available points as cashback at any time against your statement balance.

You no longer have to choose between a travel card, a grocery card, or a cashback card – it’s all in one.

We’ve put you in control of your points to do with them as you wish.

Brim also opens up how you earn your points. In a traditional loyalty program, you would earn 1.5% or 2% on very specific categories, such as Groceries or Gas, and then 1% on everything else. But what about your morning coffee? Or your lunch spot? Or your annual Netflix subscription? Why aren’t you rewarded for your continued loyalty? Why do you earn the same number of points as the guy who’ll never shop there again?

Brim has said goodbye to stale categories. While you continue to earn your base rate on all of your purchases sometimes we’ll replace it with something even better: you can take advantage of accelerated earn offers the more you shop at participating retailers – restaurants, coffee shops, travel and more. As an example, you could earn 2 points on every $1 spent on your first visit, 4 points for every $1 spent on your third visit, and 10 points for every $1 spent on your 6th visit. You can browse all available offers and track what level of earn you’re at on the Brim Marketplace – in the Brim Portal and App.

Absolutely. Instead of redeeming against a specific transaction, pay your balance directly with your earned and available points. This can be done at any time against your statement balance, not just at year end like traditional cashback platforms. It’s a more convenient and flexible method of cashback – and who doesn’t love that?

Points are earned on a per transaction basis, as long as your account is in good standing. Zoomer+ cards have base earns, but what’s unique about the earn rates on our loyalty platform is that you can take advantage of accelerating step up earn offers at participating retailers. The more you shop at their stores, the more the earn rate per dollar spent increases. In essence, it’s rewarding you for your loyalty with merchants that have accelerated earn offers with Zoomer+. All available offers can be viewed in the Brim Marketplace, both in the Zoomer+ Portal or mobile app.

It’s the bread and butter of Brim Open Rewards! Think of it as an open Marketplace, where retailers are bidding on your business by offering special increased earn offers, accelerated step up offers the more you shop at their stores, and redemption multipliers so that you purchase and subsequently redeem at their stores for significant discounts. Brim Marketplace is fully interactive and allows you to filter and sort by category, location, trending, hot deals, online versus in-store, and so much more.

Nope! We do all the heavy lifting 💪. All you need to do is look at the Brim Marketplace for participating merchants and purchase the products or services you’d like with your Brim Card, online or in-store. We’ll capture everything on our side and even notify you by email or in-app notifications of your accelerated earn amount.

No way! Brim Open Rewards is uncapped and unlimited, which means you can continue to take advantage of all the offers available to you in the Brim Marketplace no matter how much you spend on your Brim Card.

Brim was founded on equitable values. No matter which card you have, all Brim members can take advantage of step up accelerator offers and redemption multipliers on the Brim Marketplace. The main difference between the cards is in your base earn value where there are no Brim Marketplace offers. Please see the card comparison chart for details on base earn for the three cards.

Brim will be offering earn multipliers at participating merchants. Double the points on purchases at Amazon.ca are limited to your first $10,000 in annual spend on Amazon (including taxes and delivery charges) and will return to your base earn thereafter.

You can redeem your points by clicking the “Redeem” button next to your transaction(s) in the Brim Portal. On the Brim App, just swipe left!

A redemption (burn) rate is the dollar amount that you can redeem a single point for. You may have recently heard this term because many Canadian financial institutions are shrinking their burn rate to reduce their outstanding loyalty commitments. This means that your points may have just lost up to 40% of their value! Plus, these notices are often hidden in the tiny fine print – so be sure to ask your financial institution if your points are still worth what they should be worth!

1 point = $0.01 when you redeem your points on a specific purchase and when you redeem your points as cashback towards your statement balance.

Points can be redeemed starting at $1.00 (100 points)! 🎉

Your points won’t expire for as long as your Brim account remains open and in good standing!

The ultimate payment experience

Advanced first-to-market features and continuous platform upgrades

  • Receive your virtual card and transact within seconds of approval
  • Access replacement cards in real-time
  • Transact online using your digital card information
  • Add your digital card to your mobile wallet and transact on the go

Your all in one Platform

  • Virtual cards
  • Authorized users
  • Spending limits
  • Real time notifications

…And much more!

Your all in one Platform

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Free Global Wi-Fi

Access over 1 million Boingo Wi-Fi hotspots in planes, airports, hotels and cafes around the world. Set up your free account and get started in seconds.

*Offer only available for Zoomer+ World Elite cardholders.

Free Global Wi-Fi offered by


Contactless Payments

Upload your card to your preferred mobile wallet and pay contactless for any purchase amount.


Family Cards

  • Add additional cardmembers to your Zoomer+ account
  • Set individual spending limits & increase or decrease when you need to, without giving access to your full credit limit
  • Track spending with instant purchase notifications
  • Lock the card or block foreign or online transactions

Family Card FAQ

Zoomer+’s Family Card allows you to set monthly spending limits for the additional cardmembers on your account. Perfect for monitoring purchasing and promoting smart spending.

We've got you covered

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Out-of-Province Emergency
Travel Medical Insurance

$5,000,000 maximum coverage.

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Car Rental Collision / Loss
Damage Insurance

48 days MSRP; up to $85,000.

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Trip Cancellation

$2,000 insured, max value of $5,000 per trip.

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Mobile Device Insurance

Up to $1,500 for loss, theft or damange.

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Extended Warranty

Up to 1 additional year, up to $25,000.

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Hotel Burglary Insurance

$2,500 per occurance.

All insurances are underwritten by Royal & Sun Alliance Insurance Company of Canada

Own your security

Instantly lock your card and block online or foreign transactions. Unlock your card when you're ready to make a purchase again!

All in real-time. You're in control.

Real-time Purchase Notifications

Know the moment your card is used to make a purchase. Never be left wondering if your card is being used fraudulently.

Own your security

Instantly lock your card and block online or foreign transactions. Unlock your card when you're ready to make a purchase again!

All in real-time. You're in control.

Real-time Purchase Notifications

Know the moment your card is used to make a purchase. Never be left wondering if your card is being used fraudulently.

Let's get started

Choose the card that's right for you


Standard Mastercard

$0 Annual Fee
Earn 1% back in points
  • Zoomer+ Rewards
Get Zoomer+ Standard

World Elite Mastercard

$120 Annual Fee
Earn 2% back in points
  • All Zoomer+ Standard features, plus:
  • Free Global Wi-Fi
  • Premium Insurances
Get Zoomer+ World Elite