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Amazon Visa to be completely cancelled
February 10, 2018
1:06 am
Rick
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Applied for Home Trust Visa on Jan 13. Got my PIN today, wife got PIN and card.
27 days.

February 10, 2018
7:56 am
Trump
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Rick said
Applied for Home Trust Visa on Jan 13. Got my PIN today, wife got PIN and card.
27 days.  

Did you each apply for your own card. Or one account and a second card?

February 10, 2018
9:44 am
Rick
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Trump said

Did you each apply for your own card. Or one account and a second card?  

One account, second card.

February 10, 2018
11:18 am
User230
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More cards are becoming no fx fee.

The HSBC Jade card:

https://www.hsbc.ca/1/2/personal/banking/hsbc-premier/jade/world-elite-mastercard-overview

The 3 incoming Brim cards.

It might be a new strategy of new cards to have no fx fee. After the success of Rogers (although they dropped it for points instead) and now Home Trust. And the lower fx of Tangerine when it first came out.

February 10, 2018
11:53 am
Rick
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User230 said
More cards are becoming no fx fee.
The HSBC Jade card:
https://www.hsbc.ca/1/2/personal/banking/hsbc-premier/jade/world-elite-mastercard-overview
The 3 incoming Brim cards.
It might be a new strategy of new cards to have no fx fee. After the success of Rogers (although they dropped it for points instead) and now Home Trust. And the lower fx of Tangerine when it first came out.  

Would be nice if they all moved toward NFX fee. Don't hold your breath though. As for the new additions, I would be hard pressed to recoup the $300.00 annual fee for the HSBC Jade card. Never heard of Brim. Appear to be a Toronto financial / insurance / broker company that's starting up a credit card business. Looks like they have a good package of benefits, but only one of the 3 cards is fee free. Installment option for large purchases looks interesting. Free global Wi-Fi? Curious as to "global"availability and quality. Would have possibly considered them if I hadn't already got the HT card. But have too many credit cards already.

February 10, 2018
12:39 pm
User230
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Rick said

Would be nice if they all moved toward NFX fee. Don't hold your breath though. As for the new additions, I would be hard pressed to recoup the $300.00 annual fee for the HSBC Jade card. Never heard of Brim. Appear to be a Toronto financial / insurance / broker company that's starting up a credit card business. Looks like they have a good package of benefits, but only one of the 3 cards is fee free. Installment option for large purchases looks interesting. Free global Wi-Fi? Curious as to "global"availability and quality. Would have possibly considered them if I hadn't already got the HT card. But have too many credit cards already.  

All three have no FX. Below are all quotes form their website.

Brim
Earn at least 1 point for every $1 spent

Brim World
Earn at least 1.5 points for every $1 spent

Brim World Elite
Earn at least 2 points for every $1 spent
Card comparison chart

Brim
Brim World
Brim World Elite
Annual Fee
$0
$99
$120
Brim Rewards Base Earn
1 point for every $1 spent
1.5 points for every $1 spent
2 points for every $1 spent
Brim Open Rewards – Uncapped

Foreign Exchange Fees
0%
0%
0%
Installment Pay

Pre Authorized Payments
2X point multiplier
2X point multiplier
2X point multiplier
Free Global Wifi

Interactive Budgeting Tool and Spend Monitoring

Free Mobile App with Real-time Notifications

Receipt Capture and Maintenance (Coming Soon)

Additional Members & Family Card
$0
$20
$25
Zero Liability

Lounge Key
Travel comfortably with complementary Lounge Key membership, with no sign up required. With this membership, you have access to hundreds of exclusive airport lounges around the globe. Contact Brim to learn more about the coverage of Lounge Key.
No

Common Carrier Accident Insurance 1
Provides coverage for an accidental death or dismemberment resulting from riding as a passenger on a common carrier (land, air, or water transport) when the full passenger fare is charged to your card.
$100,000 / insured
$300,000 / accident
$150,000 / insured
$500,000 / accident
$150,000 / insured
$500,000 / accident
Mobile Device Insurance 2
Provides reimbursement for repair or replacement of a mobile device (such as a smartphone or tablet) charged to your card if lost, stolen, or accidentally damaged.
Up to $500 for loss, theft or damage
Up to $1,000 for loss, theft or damage
Up to $1,000 for loss, theft or damage
Event Ticket Protector Insurance 3
Provides reimbursement for the expense of a ticket charged to your card for an event if you cannot attend for one of the covered reasons (e.g. medical emergency, common carrier delay).
Up to max $1,000
Up to max $1,000
Up to max $1,000
Extended Warranty 4
Automatically doubles the term of the original manufacturer’s warranty of the covered item charged to your card, up to 1 additional year.
Doubles, up to 1 additional year
Max $25,000 per cardholder
Doubles, up to 1 additional year
Max $25,000 per cardholder
Doubles, up to 1 additional year
Max $25,000 per cardholder
Purchase Protection 5
Protects covered items charged to your card anywhere in the world, if such item is lost, stolen, or damaged in the first 90 days from the purchase date.
90 days
$1,000 per occurrence
90 days
$1,000 per occurence
90 days
$1,000 per occurence
Out-of- Province Emergency Travel Medical Insurance 6
Provides coverage for eligible emergency medical expenses incurred while travelling outside your Canadian province, up to a maximum of $5M per insured person, per trip. Coverage is provided for the first 15 consecutive days of your trip if you are age 64 or under, or for the first 3 consecutive days of your trip if you are age 65 or older. Provides Medical Assistance Services such as: helping you find a doctor or hospital at your destination, arranging transportation home if medically required, monitoring your medical treatment, and arranging for your dependent children who are travelling with you to be looked after if you are hospitalized.
No
8 days $5,000,000
If under Age 65
15 days if 4h
$500 / day; max $1,000 / account
Delay > 4h
Baggage Delay Insurance 8
Provides coverage for reasonable living expenses, such as meals and accommodations, when your flight is delayed. Also provides coverage for the purchase of necessary clothing and toiletries when your baggage is delayed by an airline. The full passenger fare must be charged to your card.
No
$100 / day / insured, max $500 all insured (max 3 days) For delay > 4h
$500 / day / insured, max $1,000 all insured (max 3 days) For delay > 4h
Lost or Stolen Baggage Insurance 9
Provides coverage for loss or damage to your carry-on or checked-in baggage and personal effects while in custody of an airline, when the full passenger fare is charged to your card.
No
$250 / insured
$500 / account
$500 / insured
$1,000 / account
Hotel/Motel Burglary Insurance 10
Provides coverage against the loss or damage of personal items if your hotel/motel room is burglarized while registered as a guest of the hotel/motel and where the room was charged to your card.
No
$500 / occurrence
$1000 / occurrence
Car Rental Collision / Loss Damage
Insurance 11
Car Rental Collision/Loss Damage Insurance Provides coverage for theft, loss, or damage to a rental car, up to the actual cash value of the rental car with an MRSP in its model year of $65K or less, for a rental period up to 48 days. You must decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company and fully charge the car rental to your card.
No
48 days
MSRP: $65,000
48 days
MSRP: $65,000
Car Rental Accidental Death & Dismemberment Insurance 12
Provides coverage for accidental death or dismemberment while riding in, driving, boarding or disembarking from a covered rental car, provided you fully charge the car rental to your card.
No
Max. $100,000 / insured
$300,000 / accident
Max. $100,000 / insured
$300,000 / accident
Car Rental Personal Effects Insurance 13
Provides coverage for burglary or damage to personal effects while such personal effects are in transit in a rental car, provided you fully charge the car rental to your card.
No
$1,000 / insured
$2,000 / account
$1,000 / insured
$2,000 / account
Travel Assistance 14
Provides Travel Services such as: supplying pre-trip information and assistance, helping you replace your passport, airline ticket or helping you recover luggage if lost or stolen; helping you contact a local lawyer for legal assistance; helping you arrange for emergency cash; and providing emergency messaging services between you and your family, friends and business associates.
No

Trip Cancellation Insurance 15
Provides reimbursement of the non-refundable and non-transferable portion of prepaid travel arrangements charged to your card when an insured risk (such as injury, sickness, or death) occurs before you depart on your trip.
No
No
$3,000 / account
Trip Interruption Insurance 16
Provides reimbursement of the non-refundable and non-transferable unused portion of prepaid travel arrangements charged to your card when an insured risk (such as injury, sickness or death) occurs during your trip.
No
No
$2,000 / insured
$5,000 / account

All insurances are offered by
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February 10, 2018
12:50 pm
Rick
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User230 said

All three have no FX. Below are all quotes form their website.

  

Sorry...I meant ALL credit cards, not just the Brim cards. Thanx for listing the details though.

February 10, 2018
7:21 pm
Joe
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User230 said
More cards are becoming no fx fee.

The HSBC Jade card:

https://www.hsbc.ca/1/2/personal/banking/hsbc-premier/jade/world-elite-mastercard-overview

The 3 incoming Brim cards.

It might be a new strategy of new cards to have no fx fee. After the success of Rogers (although they dropped it for points instead) and now Home Trust. And the lower fx of Tangerine when it first came out.  

Thanks for that info User230

February 11, 2018
6:19 am
Loonie
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I don't understand the comment about Rogers dropping its no fx fee card for a points card.
As far as I can see, it's still a cashback card with no fx fee. https://rogersbank.com/en/rogers_platinum_mastercard_details

What is Brim? i must have missed something.

HSBC fee for Jade is $299. Seems like they're making up the fx feesf-frown

February 11, 2018
12:55 pm
Rick
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They aren't a no FX fee card. Form their T&C:

All transactions made in a foreign currency are converted to Canadian dollars
at the rate established by Mastercard International in effect on the date that
we post the transaction to your Account (which may not be the same date as
the date of the transaction) plus an amount equal to 2.5% of the transaction
amount after it has been converted to Canadian dollars

They give you 4% cash back reward for foreign purchases but charge 2.5% FX fee. Since their rewards are 1.75%, you are losing a .25% reward on foreign purchases.
Don't care for businesses that play games with wording in an effort to lure you in.

February 15, 2018
6:54 pm
Save2Retire@55
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Ok. I applied for Home Trust. I will probably apply for Fido Mastercard as well.

Let's see if Home Trust will approve it or not. Based on Reddit, they seem to refuse so many applications for no good reason (Maybe refusing those with very good credit score or too many credit cards). Let's see. It is going to be a long wait.

February 15, 2018
7:16 pm
Rick
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Save2Retire@55 said
Ok. I applied for Home Trust. I will probably apply for Fido Mastercard as well.

Let's see if Home Trust will approve it or not. Based on Reddit, they seem to refuse so many applications for no good reason (Maybe refusing those with very good credit score or too many credit cards). Let's see. It is going to be a long wait.  

Good choice. Was worried about the denial stories as well. Simplii denied me overdraft protection (thank goodness) because of the PT flag (I assume), even though my credit score is "well above average" according to MOGO. Secondary card arrived last Friday and mine showed up yesterday. 32 days after I applied. They gave me a 7K limit. Was wondering as no mention of the limit on the application.

February 15, 2018
9:21 pm
Save2Retire@55
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Rick - That's good news. Yeah, the value of their card is more on their road assistance than the FX.

I still think there would be many times using Fido Mastercard makes more sense. Like when paying for something you can't return (Restaurants or last minutes hotels booking in a foreign country, etc). More points using Fido than Home Trust from foreign transactions plus $50 free money and no annual fee. So why not having it?

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