Building your credit history just got more rewarding

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

Start building your credit history with the Secured Tims Mastercard

During sign-up, pick the secured option*

Choose the secured card to apply for the Secured Tims Mastercard.*

Provide security funds

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

Start using your new Secured Tims Mastercard

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

2,244

Tims Rewards Points each month

Estimated monthly spending

$1,600
Groceries
$225
Gas & EV Charging
$225
Transit, Taxis & Ridesharing
$100
Tim Hortons Restaurants
$75
Everywhere Else
$975

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

With a new Secured Tims Mastercard 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 use them to lower the balance of your current billing cycle—only with a 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 Mastercard 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 Mastercard.

Apply in minutes

Complete your Tims Mastercard application and get approved in minutes.

Mobile Payments

Add your Tims Mastercard 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

$0
(no annual fee)

20.99%–25.99%
(20.99%-24.99% for Quebec)

22.99%–27.99%
(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 Warranty⁶

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

Purchase Protection⁶

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

Mastercard Zero Liability⁷

Protection against unauthorized purchases on your card.

Have a question? We’re here to help!










Effective June 6, 2024 - We have updated our Privacy Policy. By continuing to interact with us, you agree to this updated Privacy Policy(opens in a new window).