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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 offers a compelling no-fee credit card with global acceptance and no foreign transaction fees — a rarity in Canada. The $10 referral bonus is modest but the product itself makes up for it with genuine ongoing value for travellers and online shoppers.
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 picked up the Brim card specifically to use while travelling. Not having to think about foreign transaction fees — which usually run 2.5% at legacy banks — is a genuine quality-of-life improvement when spending in USD or EUR.
The Brim app is clean and the real-time transaction notifications are among the fastest I have seen from a Canadian card issuer. The points redemption system is flexible enough that I have never felt locked in.
The referral bonus is on the smaller side, but I recommend Brim to travellers regardless of the sign-up incentive. The no-FX-fee benefit alone pays for itself within a single international trip for most cardholders.
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 no foreign transaction fees, a flexible rewards currency, and instant virtual card access. Here's a full review of all three Brim card tiers for Canadian travellers and online shoppers 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, global rewards, and no foreign transaction fees.
Read moreSign up to Brim today and use code 19538 to get your bonus.
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