The Tims Mastercard® is a no annual fee card that offers Tims Rewards points everywhere you shop – with up to 5 points per dollar on everyday essentials.
Earning Tims Rewards
With the Tims® Mastercard, you’ll earn Tims Rewards points at the following rates:
- Up to 15 Tims Rewards points for every dollar spent at Tim Hortons® when you scan for Tims® Rewards.
- 5 Tims Rewards points for every dollar spent on groceries, gas, EV charging, transit, taxi, and rideshare purchases.
- 1 Tims Rewards point for every two dollars spent on all other purchases.
Note that the 15 points per dollar spent earning rate includes the rewards earned from scanning the Tims Rewards app. The earn rate from just the Tims Mastercard is 5 points per $1. Tims Rewards points are valued at approximately 0.5 cents each, which amounts to a 2.5% return on spending.
Redeeming Tims Rewards
You can redeem Tims Rewards points for your favorite Tim Hortons menu items. You can also use Tims Rewards points to lower the balance of your current billing cycle by redeeming for statement credit (up to $45 in statement credit every week).
When redeemed for items on the Tim Horton’s menu, the redemption value ranges from 0.34 to 0.66 cents each, as displayed in the table below for a selection of popular menu items:
| Category | Product | Regular Price | Points Required for Redemption | Cents Per Point |
| Breakfast | Hashbrowns | $1.99 | 300 | 0.66 |
| Baked goods | Donuts | $1.49 | 300 | 0.50 |
| Baked goods | Bagels | $1.99 | 400 | 0.50 |
| Lunch | Sandwiches | $6.39 | 1,300 | 0.49 |
| Beverages | Brewed coffee or tea | $1.80 | 400 | 0.45 |
| Beverages | Iced Capp, Classic | $3.49 | 800 | 0.44 |
| Baked goods | Timbits, box of 10 | $2.99 | 800 | 0.37 |
| Breakfast | Breakfast sandwiches | $3.39 | 1,100 | 0.31 |
Insurance Coverage
The Tims Mastercard offers the following types of insurance coverage:
- Purchase protection: Coverage for accidental physical damage or theft for 90 days from the date of purchase
- Extended warranty: Extend the manufacturer’s original warranty up to one additional year
Refer to the Tims Mastercard insurance certificate for additional details, including terms and conditions for eligibility.
Other Tims Financial Cards
Tim’s Financial also issues a secured version of this credit card.
The Secured Tims® Mastercard helps customers build their credit history while earning Tims Rewards points. With a minimum security fund deposit of $50, this card earns you points everywhere you shop.
20 Tims Digital Gift Card
$0
$20+
$0
Yes
Apr 30, 2025
Legal
Conditions Apply.
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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