The Tims® Mastercard is only available to Canadian residents.
The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard and the circles design is a trademark of Mastercard International Inc. Tims Financial is a registered trademark of Tim Hortons Canada.
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1. Open only to age of majority residents of Canada. To participate as a referrer, you must have a Tims Mastercard. To participate as a referee, you must not (at any time prior to redeeming this offer), have a Tims Mastercard. Offer is valid for one month starting August 1st, 2024 and is subject to (i) auto renewal; or (ii) amendment or termination at any time and for any reason, as determined by TDL. To obtain and share a referral code, visit and follow instructions provided on the Tims Financial Services’ offer home page of the Tim Hortons app. Referral codes may only be shared with referees with whom you have a family relationship or personal relationship, and to whom you disclose that you are receiving a benefit in connection with this offer. If a referee applies, is approved, and completes the pin set for a Tims Mastercard and submits a referral code, then (subject to compliance with offer terms): (i) the referrer associated with the referral code will receive a $20 CAD digital Tims Gift Card via email; and (ii) the referee that submitted the referral code will receive a $20 CAD digital Tims Gift Card via email. Please allow approximately 24 hours for processing. Limit 50 offer redemptions per referrer throughout offer period (for certainty, the offer period includes any renewal offer period; referral codes may still be shared by a referrer that has reached this limit, however, no further offer redemptions may be completed by the referrer once limit is reached). Limit 1 offer redemption per referee throughout offer period. This offer may be combined with other financial services personalized offers (unless otherwise stated within the specific offer terms of such other offers). Restrictions apply. Terms and conditions apply. For details, visit https://timsfinancial.ca/public/pdf/updated/Tims_Rewards_Tims_Mastercard_Offer_Terms_and_Conditions_EN.pdf(opens in a new window) and https://timsfinancial.ca/public/pdf/TimHortons_Financial_Services_Referral_Program_Offer_Terms_Conditions.pdf(opens in a new window).
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3. The annual interest rate for Purchases on the Tims® Mastercard is 20.99 - 25.99% and for Cash Advances is 22.99% - 27.99%, except if your initial application is for the secured Tims® Mastercard, in which case your annual interest rates are fixed for Purchases at 25.99% and for Cash Advances at 27.99%. For Quebec residents only: Monthly statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate 20.99% - 24.99% and cash advance rate 22.99% - 25.99%. The annual rates for Purchases and Cash Advances are dependent on our assessment of your credit application, credit profile, and your province. See your Tims® Mastercard Disclosure Statement, Rate & Fee Schedule at time of application for your specific rates. Example of interest charges (rounded to the nearest cent), based on a 30-day month, are:
4. Certain purchases are prohibited by law from earning points.
5. Tims® Mastercard Offer for unsecured version of the Tims® Mastercard: Earn 5 Tims® Rewards Points per CAD $1 spent when you shop for groceries (excluding Walmart and Costco), gas (excluding Costco gas), transit or make an eligible purchase and scan for Tims Rewards at participating Tim Hortons locations in Canada (up to a maximum spend of CAD $20,000 per calendar year in these categories, after which you will earn 1 Tims® Rewards Points per CAD $2 spent). Earn 1 Tims® Rewards Points per CAD $2 spent when you shop everywhere else. Restrictions apply. Certain purchases are prohibited by law from earning points. Tims® Rewards Points can be redeemed for rewards at participating restaurants in Canada. Terms and conditions apply. For details on the Tims® Rewards program, visit timhortons.ca/newtimsrewards.
6. Tims® Mastercard Offer for secured version of the Tims® Mastercard: Earn 2 Tims® Rewards Points per CAD $1 spent when you shop for groceries (excluding Walmart and Costco), gas (excluding Costco gas), transit or make an eligible purchase and scan for Tims Rewards at participating Tim Hortons locations in Canada (up to a maximum spend of CAD $20,000 per calendar year in these categories, after which you will earn 1 Tims® Rewards Points per CAD $4 spent). Earn 1 Tims® Rewards Points per CAD $4 spent when you shop everywhere else. Restrictions apply. Certain purchases are prohibited by law from earning points. Tims® Rewards Points can be redeemed for rewards at participating restaurants in Canada. Terms and conditions apply. For details on the Tims® Rewards program, visit timhortons.ca/newtimsrewards.
