Brim Financial Referral Code: Get a $10 Sign Up Bonus
Use our Brim Financial referral code 19538 to get $10 in points after your first purchase. Here's how it works and whether the Brim Mastercard is worth it.
Banking
Brim Financial
$10
in points
Bonus terms are set by Brim Financial and may change at any time.
Brim Financial is a Toronto-based fintech and the only company in North America licensed to issue credit cards directly, without going through a traditional bank. It partners with regulated Canadian banks to actually process the cards, so it isn't as untested as it might sound. The main draw is a no annual fee Mastercard with cash back rewards and a virtual card you can use the moment you're approved.
Our review
A solid no-fee cash back card with a fast, modern app. It doesn't come with the travel insurance perks some other cards offer, so compare it against your needs before making it your main card.
How the Brim referral bonus works
Apply for a Brim Mastercard with our code 19538 and you get $10 in points once you make a qualifying purchase. Here's what to do:
- Enter the code during your application. It needs to go in while you're applying, not after.
- Get approved. Brim is a Canadian resident, age of majority credit card, so approval depends on your credit.
- Make a qualifying purchase. Once you do, the $10 is credited to your Brim account as points.
If you forget to enter the code, contact Brim support through the app soon after your account is opened. Depending on your account status, they may be able to apply it manually within the first few days.
What you get
- $10 in points after your first qualifying purchase
- A Mastercard with no annual fee
- An instant virtual card on approval, so you can add it to Apple Pay or Google Pay right away, without waiting for the physical card
- Cash back rewards on everyday spending, with higher rates at Brim's merchant partners
- A budgeting app and the ability to redeem points against your balance anytime
How to claim the Brim bonus
- 1
Use the referral link or code
Click the button below to apply with the referral applied, or enter 19538 when you are asked for a referral or invite code during your application. - 2
Apply for the Brim Mastercard
Fill out the application. You need to be a Canadian resident who has reached the age of majority in your province or territory. - 3
Wait for approval
Brim will review your application. Approval depends on your credit history, like any credit card. - 4
Add your virtual card
Once approved, your virtual card is available right away. Add it to Apple Pay or Google Pay so you can start using it before the physical card arrives. - 5
Make a qualifying purchase
Use your card for a purchase to trigger the bonus. - 6
Check your points
Your $10 in points should be credited to your Brim account once your purchase qualifies.
Pros
- No annual fee on the base card
- Instant virtual card on approval
- Cash back rewards on everyday spending
- Modern app with budgeting tools
- Points can be redeemed against your balance anytime
Cons
- The bonus needs a credit approval
- No comprehensive travel insurance on the base card
- Brim is a newer name in Canadian credit cards
- The referral code must be entered at application, not after
- Higher income requirements apply for premium Brim cards
Is Brim worth it?
If you want a simple, no-fee cash back card with a fast, modern app, it's a solid pick. The instant virtual card is a nice touch if you're waiting on a physical card to arrive, and there's no annual fee to worry about on the base card.
If travel insurance or other premium perks matter to you, check what the base Brim Mastercard actually includes, since some of those benefits are reserved for Brim's higher-tier cards, which come with income requirements. The $10 bonus is a small extra on top of whatever card you decide fits your spending.
Frequently asked questions
How much is the Brim referral bonus?
What is the Brim referral code?
What if I forget to enter the code?
Does the Brim Mastercard have an annual fee?
Do I need good credit to get approved?
Is Brim a real bank?
Referral terms change without notice. Always confirm the current details on Brim's site before you apply.
