Best Tims Credit Card in Canada for November 2025

From our editors: The Best Tims Financial Credit Cards in Canada

Best Overall: Tims Mastercard

Found in our Best Store Credit Cards in Canada article, the traditional Tims Mastercard earns you the most Tims Rewards points per dollar spent when you scan for Tims Rewards, plus decent points per dollar spent on groceries (excluding Walmart and Costco), gas, EV charging, and transit. The coverage on this card is pretty basic, offering only extended warranty and purchase protection insurance. Thankfully, this contender avoids both annual fees and annual income requirements making it extremely accessible. Learn more in our Tims Mastercard Review.

Best Secured Alternative: Tims Mastercard Secured

For Tim Hortons customers looking to budget their spending or build credit, the Tims Mastercard Secured Card is an excellent option. This card earns you almost as many Tims Rewards points on the same specialized categories as the unsecured version, the same coverage, as well as no annual income requirements or fees. Find out more in our Tims Mastercard Secured Review.

Pros and Cons of Tims Credit Cards

Here's a quick look at the benefits and drawbacks of Tims credit cards:

How to Apply for Tims Credit Cards

To apply for either Tims credit card, simply hit the "Apply Now" button beneath either card above. Afterwards, you'll be redirected to the Tims Financial website to start the application process. Typically, credit card applications ask for your personal information (like your email, birthdate, and address) and your financial information (such as your income).