The current Brim referral code is 19538. Enter this code when you apply for a Brim Mastercard to receive a $10 sign-up bonus credited to your account after approval.
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 numeric code that new applicants enter during the Brim card application process to unlock a cash bonus.
The active code for 2026 is 19538, and it gives you:
- $10 cash bonus credited to your Brim account after card approval
- Instant access to all Brim card benefits including global rewards and built-in instalment payments
- Competitive FX rates — lower than most traditional Canadian credit cards
How to Use the Brim Referral Code
- Visit Brim Financial and select your preferred Brim Mastercard
- Complete the online application form
- Enter referral code 19538 in the referral field
- Submit your application and wait for approval
- Your $10 bonus is credited to your Brim account upon approval
Your virtual card is available the moment you are approved — no need to wait for the physical card to arrive in the mail. For a full offer overview, visit the Brim referral code page.
What is Brim Financial?
Brim Financial is a Canadian fintech company founded in 2015, headquartered in Toronto. It offers a suite of Mastercard credit cards with global rewards, competitive foreign transaction fees, and built-in instalment payments — all managed through the Brim app.
Brim Mastercards are issued by Brim Financial in partnership with Home Trust Company, a federally regulated Schedule 1 Canadian trust company.
Brim Mastercard Products
Brim offers three Mastercard tiers:
Brim Mastercard (No Annual Fee)
- 1 Brim point per $1 spent everywhere Mastercard is accepted
- No annual fee
- Instant virtual card on approval
- Instalment Pay for eligible purchases over $500
Brim World Mastercard ($99/year)
- 2 Brim points per $1 at Brim partners
- 1.5 points per $1 everywhere else
- Travel insurance, purchase protection, extended warranty
- Priority customer support
Brim World Elite Mastercard ($199/year)
- 3 Brim points per $1 at Brim partners
- 2 points per $1 everywhere else
- Comprehensive travel insurance package
- Airport lounge access
- Highest reward earn rate
Key Features Across All Brim Cards
Brim Points: A Flexible Rewards Currency
1 Brim point = $0.01 CAD. Points can be redeemed directly against your statement, converted to gift cards, or used with Brim's growing list of retail and travel partners. Unlike airline miles or hotel points, Brim points never expire and can be redeemed in any amount with no minimum threshold.
Instalment Pay
Brim's Instalment Pay feature lets you split eligible purchases over $500 into smaller, consecutive monthly payments directly through the Brim app. This is useful for larger planned purchases where spreading the cost is preferable to carrying a single lump balance. Terms and rates are available through the Brim app.
Instant Virtual Card
Upon approval, you receive an instant digital Mastercard that can be added to Apple Pay, Google Pay, or Samsung Pay immediately. You can start making purchases and earning rewards before your physical card arrives in the mail.
Brim Open Rewards Network
Brim has a growing network of Canadian and international merchant partners where cardholders earn boosted reward rates. These include online retailers, travel brands, and lifestyle services.
Is the Brim Mastercard Worth It?
For Canadians looking for a no-annual-fee rewards card with a clean app experience and flexible redemption, the Brim Mastercard is a solid choice:
- Points earned on every purchase with no expiry and no minimum redemption threshold
- Instalment Pay available for eligible purchases over $500 — a rare feature at the no-annual-fee tier
- Instant virtual card works with Apple Pay and Google Pay
For higher spenders, the World or World Elite tiers offer better earn rates and travel insurance, but require evaluating whether the annual fee is justified by your spending patterns.
Brim Referral Code Summary
| Detail | Info |
|---|---|
| Referral Code | 19538 |
| Also called | Promo code, invite code, sign-up code |
| Bonus Amount | $10 |
| Issuer | Home Trust Company |
| FX fees | Competitive — lower than most traditional Canadian cards |
| Annual fee (base) | None |
| Available | Canada |
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 to receive a $10 bonus after approval.
Does Brim charge foreign transaction fees? Yes — Brim cards do charge foreign transaction fees on international purchases, though the rate is on the lower end compared to most traditional Canadian credit cards. Check the Brim app or website for the current rate before using your card abroad.
How do Brim points work? 1 Brim point equals $0.01 CAD. Points are earned on every purchase and can be redeemed against your statement, for gift cards, or with partner merchants. Points never expire and there's no minimum redemption amount.
Can I get a Brim card without a credit history? Brim requires a credit check as part of the application process. It does not offer a secured card option. Applicants with thin or poor credit histories may not qualify for all card tiers.
Is the Brim Mastercard available across Canada? Yes — Brim Financial's cards are available to eligible Canadian residents of the age of majority in their province.
🎁 Apply for a Brim Mastercard at Brim with referral code 19538 to claim your $10 sign-up bonus today.