Offer
- No annual fee
- Get a $20 Tim Hortons digital gift card after your first purchase*
- Earn 15 points for every dollar you spend at Tim Hortons by presenting your Tims Rewards card
- Earn 5 points for every dollar spent on groceries, gas, electric vehicle charging, public transit, cabs and carpooling services
- Earn 0.5 points for every dollar spent on all other purchases
- Up to one year extended warranty
- Full integration into the Tim Hortons app
- 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
Advantages
Earnings
Per dollar of purchases
Insurance
Travel Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Our review
The Tims® Mastercard is a no-annual-fee credit card, perfect for Tim Hortons customers. What’s more, this credit card is ideal if you want to build your credit score.
For a limited time until April 30, 2025, receive a $20 Tim Hortons digital gift card after your first purchase on the card.
With Tims® Mastercard, you earn up to 5 points per dollar for :
- Groceries
- Gas and EV charging
- Public transit, cabs and ride-sharing services like Uber
Plus, you earn up to 15 points per dollar at Tim Hortons when you scan your card Tims Rewards.
Alternative Cards
Legal
*Conditions apply. The annual rates for Purchases and Cash Advances are dependent on our assessment of your credit application, credit profile, and your province. The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. Mastercard and the circles design is a trademark of Mastercard International Inc. Tims Financial is a registered trademark of Tim Hortons Canada.