Earn Tims Rewards Points on everyday purchases—with no annual fees²

At Tim Hortons, we believe you deserve more for your dollar, so we created Tims Financial. With the Tims Mastercard, you’ll earn Tims Rewards Points everywhere you shop—with 5 points per dollar on everyday essentials.

Download the app to get started

Want a Tims run on us?

Get a $20 digital gift card upon first purchase with a new Tims Mastercard. Start earning points everywhere you shop, with extra points on essentials, and 50% more points at Tims.

Unlock the secret to getting Tims faster—only with Tims Mastercard.

Earn 5 Tims Rewards Points per $1 on everyday essentials⁵

With the Tims Mastercard, you’ll earn points everywhere you shop and get 5 points per $1 on groceries, gas, EV charging, and transit (including taxis and ridesharing). Plus, earn 15 points per $1 at Tim Hortons restaurants when you scan for Tims Rewards.

Rewarding your everyday purchases

5 points per $1

5 points per $1

5 points per $1

15 points per $1
when you scan for Tims Rewards

1 point per $2

Get rewarded your way

Turn your Tims Rewards Points into your Tims faves or use them to lower the balance of your current billing cycle—only with a Tims Mastercard. The savings add up fast with up to $45 in statement credit every week. Terms apply.⁶

Low credit? No credit history? You can earn points with the secured card!

Choose the secured Tims Mastercard when you sign up —no hard credit check needed*.

This card earns you points everywhere you shop —with 2 points per $1 on groceries, gas, EV charging, and transit (including taxis and ridesharing). Plus, get 12 points per $1 at Tim Hortons restaurants when you scan for Tims Rewards.

We're upfront with our fees

$0
(no annual fee)

20.99%–26.99%
(20.99%-24.99% for Quebec)

22.99%–27.99%
(22.99%-25.99% for Quebec)

Who we’re working with

At Tims Financial, we’re committed to security, value, and quality. That’s why we're working with industry leaders to offer you the very best products and services we can.

Have a question? We’re here to help!