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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
660Good
725Very Good
760Excellent
Welcome Bonus
From April 28, 2025, up to and including May 12, 2025, new customers who apply for and are approved for the Tims Mastercard are eligible to receive a $20 CAD Tims Gift Card via email, as well as a promo code (sent via a separate email) to redeem a black 40 oz Stainless Steel Tumbler on TimShop. To qualify for the Welcome Offer, your first purchase must be made within 30 days of your Tims Mastercard account activation.
Our Rating
3.4/5
Institution
Tims Financial
How You Earn Rewards
- 12x points per $1 when you scan for Tims Rewards
- 2x points per $1 on groceries (excluding Walmart and Costco), gas & EV charging, transit, taxi's & rideshares
- 0.25x point per $1 (1x point per $4) on everywhere else
Rewards Breakdown
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
- Easier approval requirement compared to many other cards.
- Good credit card for building credit history.
Cons
- Insurance coverage is the most basic, with only Purchase protection and an Extended warranty, and even those cover a very small ($1000) compared to other credit card insurance.
Legal
†Conditions apply. The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. Check here for full details and current product information.