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2.4
/5
Tims Financial
Mastercard
Tims® MastercardPoints Calculator
Our Take
If you have a low credit score, you might have a higher chance of getting approved for this card. This is a great card for loyal Tim Hortons customers and Canadian newcomers as it will help you build your score over time, even though the rewards might not be very high. You also have the option of getting the secured version which is even easier for approval.
Card Details
Interest Rates
Purchase: 20.99% - 26.99%□
Cash Advance: 22.99% - 27.99%□
□ Quebec rates: Purchase 20.99% - 24.99%, Cash advance 22.99% - 24.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
2.4/5
Institution
Tims Financial
How You Earn Rewards
- 15x points per $1 when you scan for Tims Rewards
- 5x points per $1 on groceries (excluding Walmart and Costco), gas & EV charging, transit, taxi's & rideshares up to 100,000 points per year
- 0.5x point per $1 dollar on everywhere else
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
No additional benefits available for this card.
Pros & Cons
Pros
- Easy approval
- Credit building
- No annual fee
- Decent point potential
Cons
- Basic insurance coverage