Tims® Mastercard  🇨🇦

Welcome Bonus
Up to 5,000 Points
  • 5 points per dollar on grocery purchases
  • 5 points per dollar for gas
  • No annual fee
Annual Fee
$0
Interest rates
Purchase Rates
26.99 %
24.99 % (QC)
Cash Advance Rates
27.99 %
25.99 % (QC)
Balance Transfer Rates

tims mastercard
Tims® Mastercard
Up to 5,000 Points
Apply Now

Offer

  • No annual fee
  • Earn 5 points per $1 spent at Tim Hortons.
  • Earn 5 points per $1 spent on groceries, gas, EV charging, and transit.
  • Earn 0.5 point for every $1 spent on all other purchases.
  • Up to 1 year of extended warranty coverage.
  • Full integration into the Tim Hortons app
  • Earn Tims® Rewards Points everywhere you shop*
  • Quebec APR: 20.99% – 24.99%
  • Non-Quebec (Rest of Canada) APR: 20.99% – 26.99%

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 26.99%
Cash Advance Rates 27.99%
Purchase Rate (QC) 24.99%
Cash Advance Rate (QC) 25.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Welcome Bonus amount Up to 5,000 Points
Minimum Spending Required $600
Minimum Spending Timeframe (Months) 3 month(s)
Costco

Earnings

Per dollar of purchases

All Spending 0.5 Point
Groceries 5 Points
Gas 5 Points
Dining and Food delivery 0.5 Point
Convenience Stores 0.5 Point
Drugstores 0.5 Point
Local Transport 5 Points
Travel 0.5 Point
Entertainment 0.5 Point
Recurring Payments 0.5 Point
Telecom/Internet 0.5 Point
Streaming services 0.5 Point
Online transactions 0.5 Point
Office Supplies 0.5 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
$1,000
90 day(s)
Mobile Device Insurance
Price Protection

Our review

The Tims® Mastercard is a no-annual-fee credit card perfect for Tim Hortons customers and for building your credit score.

With the Tims® Mastercard, you earn up to 5 points per dollar for:

  • Groceries
  • Gas and electric vehicle recharging
  • Public transportation

Plus, you get up to 15 points per dollar at Tim Hortons when you scan your Tims Rewards card.

You can turn your Tims® Rewards Points into a statement credit of up to $45 every week.

You can also redeem points for up to 2% back on essentials and up to 6% back at Tims® (when you scan for Tims® Rewards).

 

 

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