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

Great—welcome to Tims Financial! You’ll be able to enter the invite code as the last step of signing up for your Tims Mastercard.

To sign up, open or download the Tim Hortons app.

Please note: you won't be eligible to receive a referral bonus if you already have an open Tims Mastercard.

Tims Financial is a financial services division of Tim Hortons, created to offer our guests simple, convenient, and rewarding ways to manage their everyday finances.

With the Tims Mastercard, you’ll earn Tims Rewards Points everywhere you shop⁴—with extra points on groceries, gas, EV charging, and transit (including taxis and ridesharing).^5,6 Plus, bonus points at Tim Hortons restaurants when you scan for Tims Rewards!

We’ve built Tims Financial into the Tim Hortons app, so you can easily sign up, manage your account, track your points, and redeem rewards in one convenient place.

Yes, your information is secure while using the Tim Hortons app.

We use two-factor authentication and encryption to keep your money and accounts safe. If you ever suspect fraudulent activity on your account, you can instantly freeze your card in the Tims Financial section of the Tim Hortons app.

Learn more about account security here(opens in a new window).

The Tims Financial Support Centre(opens in a new window) has articles that can answer many of your questions and help you learn more about Tims Financial and the Tims Mastercard.

Have you met TimBot? Try our self-serve chatbot which is available 24/7 by pressing 'Chat now!' on the Tims Financial Support Centre. You can also chat with TimBot by selecting the chat button on the Tims Financial section of the Tim Horton’s mobile app.

For live chat please use the chat button on the Tims Financial section of the Tim Hortons mobile app. Live team members are available from 9am–10pm EST.

Here’s how it works:

Sign up for a Tims Mastercard in the Tims Financial tile in the Tim Hortons app.

Once you’ve been approved and make your first successful purchase (within 30 days of activating your account), you’ll receive a digital Tims Gift Card at the email address that you used to sign up for your credit card.

For quick and easy payments, transfer the balance of your gift card to the Tims app.

Here’s how:

1. Head to the ‘Scan’ page in the Tims app.
2. Tap the ‘Tims Gift Card’ tab.
3. Select ‘Transfer balance.’
4. Enter your digital gift card details.

You can also use your digital Tims Gift Card by showing the QR code in the email you received. Simply show the QR code to a Tim Hortons team member at the counter.

Eligible new cardholders can receive a $20 Tims Gift Card from October 16, 2024 to November 30, 2024 as a welcome offer.

To receive the Welcome Offer, your first purchase must be made within 30 days of account activation.

New cardholders are only eligible for one introductory offer—whether you sign up online or in-person.

Looking to earn more $20 gift cards? Check out our referral program. Refer your family and friends for a Tims Mastercard—once they’re approved, you’ll each get a $20 digital Tims Gift Card (for up to 50 successful referrals).

To learn more about our Tims Mastercard Referral Program head to the Tims Financial section of the Tim Hortons app or click HERE(opens in a new window) for more details.

Sorry, this offer is for a digital Tims Gift Card only. We’re not able to offer a physical gift card instead.

On the bright side, this means you’ll get your $20 digital gift card right after you make your first purchase.