The current Brim referral code is 19538. Enter this code when you apply for a Brim Mastercard and make your first purchase to receive a $10 sign-up bonus credited directly to your account.
What is the Brim Referral Code?
The Brim referral code — also called a Brim promo code, invite code, or sign-up code — is a short code that new applicants enter during registration to unlock a sign-up reward.
The active code for 2026 is 19538, and it gives you:
- $10 sign-up bonus credited to your Brim account after your first qualifying purchase
- Access to Canada's only fintech-issued Mastercard with up to 4% cashback at merchant partners
- Instant virtual card on approval — add to Apple Pay or Google Pay and start earning right away
How to Use the Brim Referral Code
- Visit Brim and click Get Started
- Fill out the Brim Mastercard application — takes just a few minutes
- When prompted, enter referral code 19538
- Get approved and activate your virtual card instantly
- Make your first purchase and your $10 bonus is credited automatically
Your virtual card is available the moment you are approved — no need to wait for the physical card to arrive in the mail.
Already Applied? Here's What to Do
If you forgot to enter the Brim referral code during your application, contact Brim support through the app as soon as possible. Depending on your account status, they may be able to apply the code manually within the first few days of account opening.
What is Brim?
Brim Financial is a Canadian fintech company and the only company in North America licensed to issue credit cards directly outside of a traditional bank. Founded in Canada, Brim powers credit card programs for major institutions including Manulife Bank, Laurentian Bank, and Canadian Western Bank, while also offering its own consumer Mastercard directly to Canadians.
Brim is registered with the Bank of Canada as a payment service provider and is a RPAA-regulated institution, making it one of the most credentialed fintechs operating in Canada today.
Brim Mastercard: What You Need to Know
Brim's consumer Mastercard combines rewards, digital tools, and flexibility in a single card:
- Up to 4% cashback through Brim's exclusive merchant loyalty partner network
- 1.5% foreign transaction fee — lower than the industry-standard 2.5% charged by most Canadian credit cards
- Accepted everywhere Mastercard is accepted in Canada and worldwide
Instant Virtual Card
Your virtual Brim Mastercard is issued the moment you are approved. Add it to Apple Pay or Google Pay and start spending and earning cashback immediately — no waiting period.
Merchant Loyalty Rewards
Brim's most distinctive feature is its merchant loyalty program. When you shop at a participating merchant, you automatically earn elevated cashback — no coupon codes, no separate loyalty cards, and no manual redemption required. Rewards are applied instantly at checkout.
Built-In Buy Now Pay Later
Brim includes a Buy Now Pay Later feature built directly into your credit card account. Split eligible purchases into installment payments through the Brim app without signing up for a third-party service. This is a useful tool for managing larger expenses without carrying a full balance.
Family Card Members
Brim allows you to issue digital supplementary cards to family members linked to your primary account. You can:
- Set individual spending limits per card member
- Monitor all transactions in real time through the app
- Manage everything in one place without opening separate accounts
Brim Products Overview
| Product | Benefit |
|---|---|
| Brim Mastercard | Up to 4% cashback at merchant partners |
| Merchant Loyalty Rewards | Elevated cashback at participating brands — automatic |
| Virtual Card | Issued instantly on approval |
| Buy Now Pay Later | Split purchases into installments in-app |
| Family Cards | Supplementary cards with individual spend controls |
| Budget Tools | Spending categories and monthly budget tracking |
Is Brim Safe?
Yes. Brim Financial is licensed by the Bank of Canada as a payment service provider and is an RPAA-registered institution. It is the only fintech in North America licensed to issue credit cards directly. Brim partners with regulated Canadian financial institutions including Manulife Bank, Laurentian Bank, and Canadian Western Bank to power its platform.
Brim Referral Code Summary
| Detail | Info |
|---|---|
| Referral Code | 19538 |
| Also called | Promo code, invite code, sign-up code |
| Bonus Amount | $10 cash |
| Requirement | Apply for a Brim Mastercard and make your first purchase |
| Card Network | Mastercard — accepted worldwide |
| Virtual Card | Instant on approval |
| Foreign Transaction Fee | 1.5% (vs. 2.5% industry standard) |
Frequently Asked Questions
What is the Brim referral code for 2026? The current Brim referral code is 19538. Enter it when you apply for a Brim Mastercard and make your first purchase to receive your $10 sign-up bonus.
Is there a Brim promo code or coupon code? Brim calls it a referral code or invite code. The code 19538 works the same way — enter it during your application to unlock the $10 bonus.
How do I get the $10 Brim sign-up bonus? Apply for a Brim Mastercard using referral code 19538 and make your first qualifying purchase. The $10 bonus is credited to your account automatically.
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.
How does Brim's merchant cashback program work? When you shop at a participating Brim merchant partner, you automatically earn an elevated cashback rate on that purchase — up to 4%. No separate sign-up, no coupon codes, and no manual redemption required. The reward is applied directly to your Brim account.
Can I get a Brim card with no credit history? Brim's Mastercard is a credit card and requires a standard credit application. If you are building credit, you may want to check whether you meet Brim's approval criteria before applying.
Is Brim available across Canada? Yes — Brim Financial is a Canadian company and its Mastercard products are available to eligible Canadian residents. You must be the age of majority in your province to apply.
Can I use Brim internationally? Yes — Brim is a Mastercard, accepted at tens of millions of merchants worldwide. A 1.5% foreign transaction fee applies, which is lower than most Canadian credit cards but worth factoring in if you travel frequently.
🎁 Apply at Brim with referral code 19538 to claim your $10 sign-up bonus today.