Building your credit history just got more rewarding

The secured option is different from the standard credit card option in a few ways. First, it doesn’t require a hard credit check*—meaning you can apply and be approved with a low credit score or no credit history. Second, the secured option requires security funds that are used to determine your credit limit.

The Secured Tims Mastercard is a great option if you’re looking to earn points while building your credit history.

^{* Excluding Quebec. Quebec residents must first apply for the standard Tims Mastercard and undergo a hard credit check.}

When you apply for a Tims credit card on the Tims app, you’ll be presented with two versions to choose from: Secured Tims Mastercard or Tims Mastercard. Select the secured option to apply for the Secured Tims Mastercard.* 

^{* Excluding Quebec. Quebec residents must first apply for the standard Tims Mastercard and undergo a hard credit check.}

No, a hard credit check is not necessary when applying for the Secured Tims Mastercard.*

^{* Excluding Quebec. Quebec residents must first apply for the standard Tims Mastercard and undergo a hard credit check.}

A hard credit check is a thorough review of your credit history that’s usually carried out by lenders when you apply for credit. It’s visible on your credit report for about two years.

A soft credit check is a more basic look at your credit, often done to pre-approve you for offers, some types of products, or when you check your own credit score. Soft checks won't affect your credit score and aren't visible to companies.

The minimum amount you can provide as security funds is $50 and the maximum is $10,000.

Requesting a credit limit increase is as simple as depositing extra security funds—up to a maximum credit limit of $10,000.

To get approved for the Secured Tims Mastercard, you need to pass our regulatory KYC (know your customer) checks and provide security funds. If you can successfully complete both steps, you’ll be approved.*

Please note, you must also be the age of majority in your province or territory to be approved for the Secured Tims Mastercard.

^{* Excluding Quebec. Quebec residents must first apply for the standard Tims Mastercard and undergo a hard credit check.}

Your security funds are stored safely at our banking partner, Neo Financial™. These funds will be fully returned if you close your Secured Tims Mastercard account and have paid off your balance.

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 Credit Cards.

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.