Pros
- ✓Up to 5x on Transit
- ✓Purchase protection included
- ✓No annual fee
Cons
- ✗Foreign Transaction Fee (2.5%)
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.
Rewards
All Spending
0.5x
Tims Rewards pts per dollar
Transit
5x
Gas
5x
Groceries
5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
57,360
Tims Rewards/yr
Estimated Value
$287
After Fees
+$287
1st Year Value
$287
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- 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)
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.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Finances Tim. All trademarks are property of their respective owners.