- Annual fee
- $0
- Welcome offerAfter $1 in 1 month
- $20 Tim Hortons gift card
Apply Now
on Tims Financial's website
- Features
- Issuer
- Tims Financial
- Network
- Loyalty Program
- Tims Rewards
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- —
- Household income
- $0+
- Interest rates
- Purchases
- 20.99 %
- Cash advance
- 22.99 %
- Foreign transaction fee
- 2.5 %
Issuer terms
- 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)
- Rewards
- Rate
- Transit
- 5x
- Gas & EV
- 5x
- Groceries
- 5x
- Purchase protection
- Coverage
- Purchase Protection
- $1,000 · 90 days
- Extended Warranty
- +1 year
Pros
- No annual fee
- 5x on groceries
Cons
- No welcome bonus
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.
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 …
