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

Welcome Offer: Earn up to 5,000 Tims Rewards Points¹

When you make a purchase within 30 days of opening your Tims Mastercard account.

When you spend $200 or more in month 1.

When you spend $200 or more in month 2.

When you spend $200 or more in month 3.

Limited time offer, apply by September 30, 2024 to qualify.

Earn 5 Tims Rewards Points per $1 on everyday essentials⁴

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.

Get 3 months of Crave on us!⁹

Whether it’s popcorn and a movie night, or you’re bingeing a new series, we’ve got you covered all summer long. Watch the points pile up on all your digital streaming subscriptions with a Tims Mastercard.

Unlock hot new series like the HBO Original The Sympathizer, and The Regime, plus the biggest blockbusters like Anyone But You and more!

We're upfront with our fees

$0
(no annual fee)

20.99%–25.99%
(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!