The Tims® Mastercard is only available to Canadian residents.
The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
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1 From June 1, 2024 to September 30, 2024, customers who apply for and get approved for the new Tims® Mastercard are eligible to receive up to 5,000 Tims® Rewards Points on qualifying Eligible Transactions made in the first 3 months of account approval and activation. First qualifying purchase must be made within 30 days of approval and account activation to get 2,000 points in month 1. A minimum spend of $200.00 or more is required per month in months 1, 2, and 3, (excluding interest rate charges, annual fees, other fees, and cash equivalent transactions) to get 1,000 points for each of those months. Tims® Rewards Points can be redeemed at participating restaurants in Canada. Limit of one Welcome Offer per person, per account. This Welcome Offer is subject to the Tims Rewards terms and conditions (available here: https://www.timhortons.ca/terms-conditionsrewards(opens in a new window)) Tims Rewards – Tims Mastercard Offer Terms and Conditions, available here: (https://timsfinancial.ca/public/pdf/updated/Tims_Rewards_Tims_Mastercard_Offer_Terms_and_Conditions_EN.pdf)(opens in a new window)
² Offer valid from June 6, 2024 up to and including July 12, 2024. You must have or obtain version 7.1.284 (Apple), 7.1.280 (Android) or higher of the Tim Hortons® App to redeem this offer. During the offer period customers who apply for and get approved for the new Tims® Mastercard will be eligible to receive a promo code within the Tim Hortons® app that must be redeemed at crave.ca/redeem(opens in a new window) by no later than 11:59:59 p.m. ET on July 31, 2024. Each promo code is valid toward 3 months of access to Crave Standard with Ads (excluding any add-ons) when you subscribe or re-subscribe to Crave (valid credit card required). After 3 months, your subscription will automatically renew monthly at the then-current subscription fee (currently $14.99 per month plus applicable taxes). You can cancel or change your subscription at any time at Crave.ca(opens in a new window). Promo code is single use, non-refundable, and not valid for resale. Promo code is not redeemable for a Crave subscription from a TV provider or other third -party distributor. Offer not combinable with any other Crave offer, promotion, discount, coupon, package, etc. This offer and use of the Crave service is subject to the terms and conditions set out here as well as the Crave Terms and Conditions and Privacy Policy (available at Crave.ca(opens in a new window)) which may be amended from time to time. Crave is a trademark of Bell Media Inc. and used under license.
³ Certain purchases are prohibited by law from earning points.
⁴ The annual interest rate for Purchases on the Tims® Mastercard is 20.99 - 25.99% and for Cash Advances is 22.99% - 27.99%, except if your initial application is for the secured Tims® Mastercard, in which case your annual interest rates are fixed for Purchases at 25.99% and for Cash Advances at 27.99%. For Quebec residents only: Monthly statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate 20.99% - 24.99% and cash advance rate 22.99% - 25.99%. The annual rates for Purchases and Cash Advances are dependent on our assessment of your credit application, credit profile, and your province. See your Tims® Mastercard Disclosure Statement, Rate & Fee Schedule at time of application for your specific rates. Example of interest charges (rounded to the nearest cent), based on a 30-day month, are:
⁵Tims® Mastercard Offer for unsecured version of the Tims® Mastercard: Earn 5 Tims® Rewards Points per CAD $1 spent when you shop for groceries (excluding Walmart and Costco), gas (excluding Costco gas), transit or make an eligible purchase and scan for Tims Rewards at participating Tim Hortons locations in Canada (up to a maximum spend of CAD $20,000 per calendar year in these categories, after which you will earn 1 Tims® Rewards Points per CAD $2 spent). Earn 1 Tims® Rewards Points per CAD $2 spent when you shop everywhere else. Restrictions apply. Certain purchases are prohibited by law from earning points. Tims® Rewards Points can be redeemed for rewards at participating restaurants in Canada. Terms and conditions apply. For details on the Tims® Rewards program, visit timhortons.ca/newtimsrewards.
⁶ Tims® Mastercard Offer for secured version of the Tims® Mastercard: Earn 2 Tims® Rewards Points per CAD $1 spent when you shop for groceries (excluding Walmart and Costco), gas (excluding Costco gas), transit or make an eligible purchase and scan for Tims Rewards at participating Tim Hortons locations in Canada (up to a maximum spend of CAD $20,000 per calendar year in these categories, after which you will earn 1 Tims® Rewards Points per CAD $4 spent). Earn 1 Tims® Rewards Points per CAD $4 spent when you shop everywhere else. Restrictions apply. Certain purchases are prohibited by law from earning points. Tims® Rewards Points can be redeemed for rewards at participating restaurants in Canada. Terms and conditions apply. For details on the Tims® Rewards program, visit timhortons.ca/newtimsrewards.
