on Tims Financial's website
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 :
Plus, you earn up to 15 points per dollar at Tim Hortons when you scan your card Tims Rewards.
All Spending
0.5x
Tims Rewards pts per dollar
Transit
5x
Gas
5x
Groceries
5x
See how much you could earn with this card based on your spending.
Points Earned
57,360
Tims Rewards/yr
Estimated Value
$574
After Fees
+$574
1st Year Value
$574
incl. welcome bonus
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 year(s)
*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.
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 Tims Financial. All trademarks are property of their respective owners.
