Tims® Mastercard

Offer

No annual fee
Receive a $50 Tims 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

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 Jan 31, 2025

Minimum Spending Required $1

Minimum Spending Timeframe (Months) 1 month

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

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

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. What’s more, this credit card is ideal if you want to build your credit score.

For a limited time until January 31, 2025, receive a $50 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.

Milesopedia Links

Tim Hortons: Launch of the Tims Mastercard Credit Card

Alternative Cards

Neo Mastercard^®

$25 cash back

First year value : $109

Apply Now

MBNA Smart Cash Platinum Plus^® Mastercard^®

Up to $150 cash back

First year value : $396

Apply Now

BMO CashBack^® Mastercard^®*

Up to $100 cash back

Ends Jun 1, 2025

First year value : $358

Apply Now

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.