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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.
Getting your $10 bonus takes less than 10 minutes.
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.
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.
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.
Last reviewed: June 2026 · Independent editorial review
Overall Rating — Recommended by GetReferral
Brim Financial is a solid no-annual-fee rewards card for Canadians who want flexible points, instant virtual card access, and a clean app experience. The Brim Points system is straightforward and the Instalment Pay feature makes it stand out from most cards in its tier.
Our verdict: Brim is a top-rated Canadian financial platform. We recommend signing up and using our referral code 19538 to claim your $10 bonus.
First-hand account from our editor
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.
Up to 4%
Cashback at merchant partners
Instant
Virtual card on approval
Licensed
Canada's only fintech card issuer
Mastercard
Accepted worldwide
A full suite of financial products built for Canadians — all in one place.
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.
Here's what makes Brim stand out from the competition.
Key terms and requirements you should know when using the referral code or link
Common questions about Brim and the 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.
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.
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.
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.
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.
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.
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.
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.
Tips, reviews, guides, and news about Brim.
Brim Financial offers a suite of Mastercards with a flexible rewards currency, built-in instalment payments, and instant virtual card access. Here's a full review of all three Brim card tiers for Canadian cardholders in 2026.
Read more
Use Brim referral code 19538 to get a $10 bonus when you sign up for a Brim Mastercard. No annual fee, flexible rewards, and built-in instalment payments.
Read moreSign up to Brim today and use code 19538 to get your bonus.
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