Brim Referral Code: Get a $10 Sign-Up Bonus
Use our referral code or link to sign up for a Brim Mastercard and unlock your sign-up bonus. Earn up to 4% cashback with exclusive merchant rewards on a fully digital credit card platform.
Sign up with the referral code 19538 or via the referral link, get approved for a Brim Mastercard, and make your first purchase to unlock your sign-up bonus.
The content on this page is provided for informational purposes only and may contain affiliate links. Additional information is available on the official website.
How to Use the Brim Referral Code
Getting your $10 bonus takes less than 10 minutes.
Click Get Started
Use the referral code 19538 or use the Get Started button on this page to open the Brim application form. Your sign-up offer is applied automatically.
Apply and get approved
Complete the Brim Mastercard application in minutes. Upon approval, your virtual card is issued instantly so you can start spending and earning rewards right away.
Make your first purchase
Use your virtual or physical Brim Mastercard anywhere Mastercard is accepted. Your sign-up bonus is credited to your account after your first qualifying purchase.
Brim Referral Code Terms and Requirements
What you need to do and what to check before you sign up
Bonus
$10
Referral code
19538
What you need to do
Apply online and get approved for the Brim card
When it arrives
Credited as cash once your card is approved and active
- Apply online and get a decision quickly - the entire process takes about 10 minutes.
- Your $10 bonus is credited to your account as cash once your card is approved and active.
- Your virtual card is available instantly on approval - add it to Apple Pay or Google Pay right away.
- The base Brim Mastercard has no annual fee, so there's nothing to pay to hold the card.
- Brim points never expire, so your rewards are yours to use whenever you're ready.
- Bonus amounts can be updated for new promotions - signing up sooner locks in the current offer.
Brim Referral Code FAQ
Common questions about the Brim referral code and bonus.
What is the Brim referral code for 2026?
The current Brim referral code is 19538. Enter it when applying for your Brim Mastercard, or click Get Started to have it applied automatically. Your sign-up bonus is credited after your first qualifying purchase.
How do I get the Brim referral bonus?
Click the Get Started button on this page to apply for a Brim Mastercard via the referral link or use the referral code 19538. The offer is applied automatically. Once approved and after your first qualifying purchase, your sign-up bonus will be credited to your account.
What makes Brim different from other credit cards?
Brim is Canada's only fintech licensed to issue credit cards directly. It combines a rewards Mastercard with a digital-first platform that includes instant card issuance, a merchant loyalty network offering up to 4% back, built-in Buy Now Pay Later, and family card management, all in a single app.
How does Brim's merchant rewards program work?
Brim partners with local and global brands to offer elevated cashback rates to cardholders. When you shop at a participating merchant, the additional reward is applied automatically, no coupon codes, no separate loyalty cards, and no manual redemption required.
Can I get a virtual card immediately?
Yes, Brim issues a virtual Mastercard instantly upon approval. You can add it to Apple Pay or Google Pay and start spending and earning rewards right away, before your physical card arrives in the mail.
Does Brim charge foreign transaction fees?
Yes, Brim charges a 1.5% foreign transaction fee on all cards. This is lower than the 2.5% charged by most Canadian credit cards, but it is not zero. If you need a no-foreign-transaction-fee card, compare other options before applying.
What is Brim's Buy Now Pay Later feature?
Brim's Buy Now Pay Later lets you split eligible purchases on your existing Brim Mastercard into installment payments directly within the app. There is no need to sign up for a third-party service, it works as a built-in feature of your credit card account.
Can I add family members to my Brim account?
Yes, Brim allows you to issue digital supplementary cards to family members linked to your primary account. You can set individual spending limits for each card member and monitor all transactions in real time through the Brim app.
Is Brim a legitimate Canadian financial institution?
Yes, Brim Financial is a licensed credit card issuer and RPAA-registered payment service provider regulated by the Bank of Canada. It is the only fintech in North America licensed to issue credit cards directly, with partnerships including Manulife Bank, Laurentian Bank, Canadian Western Bank, and Mastercard.
What credit cards does Brim offer?
Brim offers multiple Mastercard tiers including no-fee and premium options, each with varying cashback rates and features. All cards earn rewards through the Brim merchant loyalty network and include instant virtual card issuance upon approval.
Do I need a credit check to get a Brim card?
Yes. Brim runs a credit check as part of the application and doesn't offer a secured card. If your credit history is thin or poor, you may not qualify for every card tier.
Is the Brim Referral Code Worth It?
Last reviewed: October 2026 · Independent review of the offer
Overall Referral Offer Rating
The Brim referral code 19538 gets you a $10 bonus once your card is approved and active. Brim is a no-annual-fee rewards Mastercard with points that never expire and an Instalment Pay feature for larger purchases.
Worth it if you want a no-annual-fee rewards card with Instalment Pay.
Skip it if you travel often and want zero foreign transaction fees.
Our verdict: Use code 19538 to claim your $10 bonus.
How Claiming the Brim Bonus Went
Our editor's first-hand experience with the offer and the product
I applied for my Brim card using a referral code instead of the standard route, and the bonus was credited smoothly.
I've had the Brim card for a while now and it's become a reliable everyday card. The Brim Points system is one of the cleaner rewards programs I've used - one point equals one cent, no expiry, no minimum redemption threshold, and you can apply them straight to your statement whenever you feel like it. No games, no blackout dates.
Brim introduced foreign transaction fees a while back, which was a change from how the card originally launched. That said, the rate is still on the lower end compared to most traditional Canadian credit cards, so it hasn't changed the card's value for me in any meaningful way. For occasional international purchases or US online shopping it remains a reasonable choice.
The Instalment Pay feature is something I keep coming back to for larger planned purchases - being able to split eligible purchases over $500 into consecutive monthly payments directly through the app is genuinely useful. Combined with the instant virtual card and the partner merchant network, Brim is still a card I'd recommend to anyone looking for a no-annual-fee rewards Mastercard in Canada.
Want to know more about Brim?
Our full Brim review covers the products, key features, ratings and who the account suits best.
Read the Brim reviewReady to claim your $10 bonus?
Sign up to Brim today and use code 19538 to get your referral bonus.
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