Brim Review
What Brim offers, how the referral bonus works and whether it's worth signing up.
Last reviewed: October 2026
Overall 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.
About Brim
Brim is the only fintech in North America licensed to issue credit cards directly and is registered with the Bank of Canada as a payment service provider. The platform powers credit card programs for major institutions including Manulife Bank, Laurentian Bank, Canadian Western Bank, and Air France-KLM.
Brim's consumer Mastercard combines up to 4% cashback through its merchant loyalty network, instant digital card issuance, built-in Buy Now Pay Later, family card management, and budget tracking tools, all in one app. Use the Get Started button to apply via our referral link and claim your sign-up bonus.
Up to 4%
Cashback at merchant partners
Instant
Virtual card on approval
Licensed
Canada's only fintech card issuer
Mastercard
Accepted worldwide
What Brim Offers
The main products you get with a Brim account.
Brim Mastercard
A fully digital rewards credit card accepted everywhere Mastercard is accepted in Canada and abroad. Earn points on every purchase, redeem anywhere, and manage your card entirely through the Brim app.
Merchant Loyalty Rewards
Earn up to 4% cashback through Brim's exclusive merchant partners program. Participating brands offer elevated earn rates directly through the Brim platform with no separate sign-up required.
Digital Card Issuance
Get instant access to a virtual Brim Mastercard the moment you are approved. Add it to Apple Pay or Google Pay and start earning rewards before your physical card arrives.
Family Card Members
Issue additional digital cards to family members linked to your Brim account. Set individual spend controls and monitor all transactions in real time through the app.
Buy Now Pay Later
Split eligible purchases into installment payments directly within the Brim app. No third-party service needed, it is built into your existing Brim credit card account.
Budget & Spending Tools
Track your spending by category, set monthly budgets, and review your transaction history with Brim's built-in financial management tools.
Key Features
What stands out about Brim in everyday use.
- Sign-up bonus when you apply via referral code or link and make your first purchase
- Earn up to 4% cashback through Brim's exclusive merchant loyalty program
- Instant virtual card available immediately upon approval
- Accepted everywhere Mastercard is accepted in Canada and worldwide
- Add family card members with individual spend controls
- Built-in Buy Now Pay Later on eligible purchases
- Budget tracking and spending categorization tools
- Full account management via the Brim mobile app
- Low 1.5% foreign transaction fee, lower than the 2.5% industry standard
- Canada's only fintech licensed to issue credit cards directly
Is Brim Right for You?
It's a good fit if
you want a no-annual-fee rewards card with Instalment Pay.
You might skip it if
you travel often and want zero foreign transaction fees.
Ready to claim your $10 bonus?
See how the Brim referral code works, the terms to watch for and the steps to claim it.
Brim Referral Code