Building your credit history just got more rewarding

Apply for the secured Tims Credit Card to earn points everywhere you shop with no annual fee or hard credit check.*

Start building your credit history with the secured Tims Credit Card

During sign-up, pick the secured version*

Choose the secured version to apply for the secured Tims Credit Card.*

Provide security funds

Connect an existing bank account and add a minimum of $50 as security funds.

Start using your new Tims Credit Card

Add the card to your Apple Wallet or Google Wallet to start earning points everywhere you shop, with extra points on groceries, gas, EV charging, Tim Hortons, and transit (including taxis and ridesharing).

Build your credit history while earning points

Your points will show up in your Tims Rewards Points balance in the Tim Hortons app. Learn more about rewards(opens in a new window).

Rewarding your everyday purchases

2 points per $1

2 points per $1

2 points per $1

12 points per $1
when you scan for Tims® Rewards

1 point per $4

That adds up to


Tims Rewards Points each month

Estimated monthly spending

Gas & EV Charging
Transit, Taxis & Ridesharing
Tim Hortons Restaurants
Everywhere Else

Kickstart your earnings with a 5,000-point welcome offer

With a new Tims Credit Card you get 2,000 extra points for your first purchase in month one, and 1,000 extra points each month you spend $200 or more in the first 3 months—that’s 5,000 points total!⁸

Get rewarded your way

Turn your Tims® Rewards Points into your Tims® faves or up to 6% back in statement credit—only with the Tims® Credit Card. The savings add up fast with up to $45 in statement credit every week. Terms apply.

Powerful features in your pocket

One app for your Tims Credit Card and Tims Rewards

Place your Tims order and manage your money while you earn and track your points, then redeem for your fave Tims menu items, or up to $45 in statement credit every week—only with the Tims Credit Card.

Apply in minutes

Complete your Tims Credit Card application and get approved in minutes.

Mobile Payments

Add your Tims® Credit Card to your Apple Wallet or Google Wallet for easy mobile payments everywhere Mastercard® is accepted.

Helpful notifications

With real-time notifications, you’ll know your transaction has gone through and how much you were charged.

We're upfront with our fees

(no annual fee)

(20.99%-24.99% for Quebec)

(22.99%-25.99% for Quebec)

Shop with confidence

Tims® Financial Support Centre

24-hour TimBot chat support(opens in a new window) and live team members available 9am–10pm EST.

Extended Warranty

Extend the manufacturer's warranty for most items purchased on your Tims Credit Card for up to one year. Repair, replace or get reimbursed up to $1000 per incident.

Purchase Protection

Most items purchased with your Tims Credit Card can be repaired, replaced, or reimbursed up to $1,000 per incident. Protection is valid for 90 days after your purchase.

Mastercard Zero Liability

Protection against unauthorized purchases on your card.

Have a question? We’re here to help!