Offer
- No annual fee
- Receive a $50 Tims digital gift card after your first purchase*
- No credit history is required
- Earn 5 points for every dollar spent at Tim Hortons
- Earn 2 points for every dollar spent on groceries, gas, electric vehicle charging and public transit
- Earn 0.25 points for every dollar spent on all other purchases
- Up to one year extended warranty
- Full integration into the Tim Hortons app
- Earn Tims Rewards™ points wherever you shop*
- Annual interest rate for purchases: 20.99% to 26.99% (20.99% to 24.99% for residents of Quebec)
- Annual interest rate for cash advances: 22.99% to 27.99% (22.99% to 24.99% for residents of Quebec)
Fees & Conditions
Personal Income
$0
Household Income
$0
Annual Fee
$0
First Additional Card
$0
Foreign Transaction Fee
2.5%
Purchase Rates
26.99%
Cash Advance Rates
27.99%
Purchase Rate (QC)
24.99%
Cash Advance Rate (QC)
25.99%
Advantages
Offer ends on
Jan 31, 2025
Minimum Spending Required
$1
Minimum Spending Timeframe (Months)
1 month
Costco
Earnings
Per dollar of purchases
All Spending
0.25 Point
Groceries
2 Points
Gas
2 Points
Dining and Food delivery
0.25 Point
Convenience Stores
0.25 Point
Drugstores
0.25 Point
Local Transport
2 Points
Travel
0.25 Point
Entertainment
0.25 Point
Recurring Payments
0.25 Point
Telecom/Internet
0.25 Point
Streaming services
0.25 Point
Online transactions
0.25 Point
Office Supplies
0.25 Point
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
$1,000
90 day(s)
Mobile Device Insurance
Price Protection
Legal
*Conditions apply. The annual rates for Purchases and Cash Advances are dependent on our assessment of your credit application, credit profile, and your province. 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.