Thank you so much. I already have a Brim card which I have used in the UK and Europe (I too am from Canada). My only issue was understanding how to redeem rewards and you have cleared that up nicely. Again thanks.
Hi Brittany! The wealthsinple cash account comes with an optional prepaid MasterCard. It's not a credit card but very close! It also has no FX fees, 1% cashback and you also earn 4% interest in your cash account, compounded monthly. There are no fees :) something to look into if you're curious 😊
Hey Bro, I checked out the wealth simple card and yes it does not have any fx fees. Thanks for letting everyone know as we think thats its only 2 no fee annual credit cards which offers no fx fees. However, I would suggest to stay away from this card after doing some reearch as for the only reason that the 1% cashback does not apply if you make a fx transfaction. On this point then its just better to go with home trust card as it had the same mechanics with NO 1% back on fx transactions, but can be used to build credit and is a normal credit card. Also, its best to have the brim at first as it gives 1% on fx transactions, with many perks but only thing to worry is that many people are getting rejected for this even after having a high 800 credit score. Yes one of them its me, tried and tested, and i see the reviews of the same that people with high credit score gets rejected. The rejection email says thati can re-apply back after 6-8 months, it has already been 5 months and i will soon apply for the brim again. Hopefully its approved now, but if not I will stick with home trust as my alternative and I am 100% sure to be approved for that.
There's an update in the description. Yeah, very disappointed but I'll keep using it in the interim since the ftx fees are still 1% lower than my other CCs. Now to find a new card...
Hey Brittany, I applied the Brim Card again using your referral link, after getting declined for the first time. I just got an email 2 minutes ago that the application is approved and card is on the way. Your referral code is very lucky for me. Hopefully, you receive the bonus soon and get some free gifts!! 😊
Nice video . I have HSBC world elite however the Government approved the sale to RBC and don’t thinking they will keep no forex perk. I was researching the brim review and this came up.
Thanks! I've been using it for nearly a year abroad now and it's fantastic. The best card I own next to the RBC world elite WestJet card (but I only use that for Canadian purchases).
Hi Brittany you mentioned that in NZ businesses are mostly cashless? for travel is it still advisable to go "old school" and get NZ currency from the bank for travel? or US currency? Thanks for the credit card recommendation. I may consider.
Definitely do not get much cash for travelling to NZ. Almost every business prefers card and some will not accept cash. They also charge an extra 2-5% fee to use what they call paywave (which is called tap in Canada) and all credit cards. You're kind of screwed either way lol, it's best to have a mix of some cash for emergencies and a CC for everything else though you will pay more at some retailers to use credit.
Hello! I've included how to redeem points on the mobile app in this video. You just swipe left on the transaction and hit redeem. On a laptop/desktop web page you click on the transaction I believe and do the same thing. I hope that helps!
Only certain credit cards offer this, there's only a handful in Canada that don't have foreign transaction fees outside of the US. Reading through the fine print on their websites will tell you if it's a true no foreign transaction fee card or if it's limited to certain countries. I hope this helps!
Greetings. Quick update. I just got my referral points for BRIM master card today . Thanks for the link. Please make sure that you get your "Referral Bonus" too. It says "You were referred by Brittany." Best regards..!!!
Hello!! Thank you so much, I did get the bonus today! Cheers!! I hope you love the card as much as I do, it was a real game changer for me for travel expenses! Love their rewards program too 👍
They updated their terms. They are now going to charge 1.5% ftfs and nerfed the cashback by half.
Yup, I just made a short about this and updated the description of this video. I'm super disappointed. Will be looking for alternatives for sure!
Thank you so much. I already have a Brim card which I have used in the UK and Europe (I too am from Canada). My only issue was understanding how to redeem rewards and you have cleared that up nicely. Again thanks.
Glad this helped! It took me awhile to figure out the redemption thing, it was a bit frustrating!
Hi Brittany! The wealthsinple cash account comes with an optional prepaid MasterCard. It's not a credit card but very close! It also has no FX fees, 1% cashback and you also earn 4% interest in your cash account, compounded monthly. There are no fees :) something to look into if you're curious 😊
Ooh good to know! I'll have to look into that.
Hey Bro, I checked out the wealth simple card and yes it does not have any fx fees. Thanks for letting everyone know as we think thats its only 2 no fee annual credit cards which offers no fx fees.
However, I would suggest to stay away from this card after doing some reearch as for the only reason that the 1% cashback does not apply if you make a fx transfaction. On this point then its just better to go with home trust card as it had the same mechanics with NO 1% back on fx transactions, but can be used to build credit and is a normal credit card.
Also, its best to have the brim at first as it gives 1% on fx transactions, with many perks but only thing to worry is that many people are getting rejected for this even after having a high 800 credit score. Yes one of them its me, tried and tested, and i see the reviews of the same that people with high credit score gets rejected. The rejection email says thati can re-apply back after 6-8 months, it has already been 5 months and i will soon apply for the brim again. Hopefully its approved now, but if not I will stick with home trust as my alternative and I am 100% sure to be approved for that.
Better update about this credit card now since as a new cardholder for world elite mastercard, it’s a slap in the face to me
There's an update in the description. Yeah, very disappointed but I'll keep using it in the interim since the ftx fees are still 1% lower than my other CCs. Now to find a new card...
Hi Britt .
even though am not familiar with Canadian credit cards but this video was informative .
Thanks as usual .
Thanks for continuing to watch & support 😁
Hey Brittany, I applied the Brim Card again using your referral link, after getting declined for the first time. I just got an email 2 minutes ago that the application is approved and card is on the way. Your referral code is very lucky for me. Hopefully, you receive the bonus soon and get some free gifts!! 😊
Hiya! Thank you so much for using the referral code! I'm glad it got approved for you!! It's a fantastic travel CC 😀
Hey Beittany, I used your referal code and card approved..Thankyou
Wicked, thank you so much! I hope you love the card, it has served me very well through my travels!
Nice video . I have HSBC world elite however the Government approved the sale to RBC and don’t thinking they will keep no forex perk. I was researching the brim review and this came up.
Thanks! I've been using it for nearly a year abroad now and it's fantastic. The best card I own next to the RBC world elite WestJet card (but I only use that for Canadian purchases).
Hi Brittany you mentioned that in NZ businesses are mostly cashless? for travel is it still advisable to go "old school" and get NZ currency from the bank for travel? or US currency? Thanks for the credit card recommendation. I may consider.
Definitely do not get much cash for travelling to NZ. Almost every business prefers card and some will not accept cash. They also charge an extra 2-5% fee to use what they call paywave (which is called tap in Canada) and all credit cards. You're kind of screwed either way lol, it's best to have a mix of some cash for emergencies and a CC for everything else though you will pay more at some retailers to use credit.
Hey Brittany, can you make a video on redeeming the brim rewards, as for most of us, its very confusing. Much appreciated if you can help us
Hello! I've included how to redeem points on the mobile app in this video. You just swipe left on the transaction and hit redeem. On a laptop/desktop web page you click on the transaction I believe and do the same thing. I hope that helps!
how do get No Foreign Transaction Fee with Credit Cards
Only certain credit cards offer this, there's only a handful in Canada that don't have foreign transaction fees outside of the US. Reading through the fine print on their websites will tell you if it's a true no foreign transaction fee card or if it's limited to certain countries. I hope this helps!
Greetings. Quick update. I just got my referral points for BRIM master card today . Thanks for the link. Please make sure that you get your "Referral Bonus" too. It says "You were referred by Brittany." Best regards..!!!
Hello!! Thank you so much, I did get the bonus today! Cheers!! I hope you love the card as much as I do, it was a real game changer for me for travel expenses! Love their rewards program too 👍
@@brittanymorgan09 I used the card twice and it's pretty good. Cheers...!!!