{"id":436730,"date":"2025-04-01T13:54:45","date_gmt":"2025-04-01T17:54:45","guid":{"rendered":"https:\/\/milesopedia.com\/?p=436730"},"modified":"2025-04-01T14:05:23","modified_gmt":"2025-04-01T18:05:23","slug":"should-you-get-a-tims-mastercard","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/should-you-get-a-tims-mastercard\/","title":{"rendered":"Should You Get a Tims Mastercard?"},"content":{"rendered":"

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When you\u2019ve been on the hunt for an early morning caffeine fix or some tasty treats for your road trip, there\u2019s a reasonable chance that you\u2019ve stopped in at a Tim Hortons.<\/p>\n

Known for its double-doubles, iced cappuccinos, and shareable Timbits, Tim Hortons is a familiar brand to pretty much every Canadian \u2013 but how many of them know that this restaurant\/coffee shop also has its own co-branded credit cards?<\/p>\n

In this article, we\u2019ll take a look at the two Tims Mastercards<\/a> to explore their rewards and benefits and see how they stack up against other cards on the market.<\/p>\n

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Designed with the Tim Hortons loyalist in mind, the Tims Mastercard<\/a> and the Secured Tims Mastercard<\/a> (not available in Quebec) let you earn Tims Rewards<\/a> points on all your purchases.<\/p>\n

These points can then be redeemed at Tim Hortons once you’ve saved up enough for the menu item of your choice.<\/p>\n

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The Tims Mastercard<\/a> comes with no annual fee and no minimum income requirement, making it accessible to many people. However, this card does require that you have a good credit score and do a credit check to be approved.<\/p>\n

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Comparately, Tim Hortons’ other credit card, the Secured Tims Mastercard doesn’t require a credit check in order to be approved. This makes it ideal for individuals who are looking to build their credit score<\/a>.<\/p>\n

This could be a solid choice for students<\/a> and newcomers to Canada<\/a> who are just starting out on their Canadian credit journey.<\/p>\n

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What is a secured credit card? \u2013 A secured credit card, like the Secured Tims Mastercard, is a credit card that doesn’t require a credit check for approval. Instead, the cardholder will put down a refundable cash deposit as collateral in order to secure the card.<\/p>\n

Check out our guide on secured credit cards<\/a> to learn more.<\/p>\n

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Relative to many other credit cards on the market, the two Tims Mastercards don\u2019t offer a ton of benefits. That said, if you\u2019re a big fan of Timmies, they might be a perfect fit for you.<\/p>\n

Both cards let you earn Tims Rewards points on all your purchases, and you can then redeem these points for Tim Hortons menu items or statement credits. Additionally, both cards come with a few consumer protection perks.<\/p>\n

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Comparing the two cards, the Tims Mastercard<\/a> lets you earn Tims Rewards points every time you use the card, as follows:<\/p>\n