Secured Tims® Mastercard

Welcome Bonus
$20 Tim Hortons gift card
Ends Apr 30, 2025
  • 2 points per dollar on grocery purchases
  • 2 points per dollar on gas purchases
  • No annual fee
Annual Fee
$0
Interest rates
Purchase Rates
20.99 %
20.99 % (QC)
Cash Advance Rates
22.99 %
22.99 % (QC)
Balance Transfer Rates
tims mastercard
Secured Tims® Mastercard
$20 Tim Hortons gift card
Ends Apr 30, 2025
Apply Now

Offer

  • No annual fee
  • Get a $20 Tim Hortons digital gift card after your first purchase*
  • No credit history is required
  • Earn 12 points for every dollar spent at Tim Hortons
  • Earn 2 points for every dollar spent on groceries, gas, electric vehicle charging and public transit
  • Earn 0.25 points for every dollar spent on all other purchases
  • Up to one year extended warranty
  • Full integration into the Tim Hortons app
  • Earn Tims Rewards points wherever you shop*
  • Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
  • Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for residents of Quebec)

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Purchase Rate (QC) 20.99%
Cash Advance Rate (QC) 22.99%

Advantages

Offer ends on Apr 30, 2025
Minimum Spending Required $1
Minimum Spending Timeframe (Months) 1 month
Costco

Earnings

Per dollar of purchases

All Spending 0.25 Point
Groceries 2 Points
Gas 2 Points
Dining and Food delivery 0.25 Point
Convenience Stores 0.25 Point
Drugstores 0.25 Point
Local Transport 2 Points
Travel 0.25 Point
Entertainment 0.25 Point
Recurring Payments 0.25 Point
Telecom/Internet 0.25 Point
Streaming services 0.25 Point
Online transactions 0.25 Point
Office Supplies 0.25 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 Secured Tims® Mastercard is a no-annual-fee credit card, perfect for Tim Hortons customers. What’s more, this credit card is ideal if you have no credit history.

For a limited time until April 30, 2025, receive a $20 Tim Hortons digital gift card after your first purchase on the card.

With Secured Tims® Mastercard, you earn up to 2 points per dollar for:

  • Groceries
  • Gas and electric vehicle recharging
  • Public transportation

Plus, you earn up to 12 points per dollar at Tim Hortons when you scan your Tims Rewards card.

You can convert your Tims Rewards points into a statement credit of up to $45 each week.

You can also redeem your points for a discount of up to 2% on essential products and up to 6% at Tim’s (when you scan your Tims Rewards card).

Alternative Cards

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