Tims® Credit Card
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Total Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$0
Card Details
Annual Rewards
$179.57
TimHortons rewards
First Year Bonus
$25
TimHortons rewards
Annual Fee
$0
First Year Value
$204.57
$179.57 in years after
Interest Rates
Cash Advance: 22.99% - 27.99%
Purchase: 20.99% - 25.99
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score
Good
Welcome Bonus
2,000 points after approval, 1,000 points for 3 months where at least $200 is spent.
Card Type
Reward: Points
Loyalty Program: Tims Rewards
Our Rating
1.2/5
Institution
Tims Financial
Rewards
- 5 points for every dollar in Groceries (Excluding Walmart and Costco), Gas & EV, Transit, Taxi & Ridesharing and Tim Hortons up to 100,000 per year
- 0.5 point for every dollar on everything else
Tims® Credit Card Points Calculator
Based on average spending
Rewards Ranking
Rewards Breakdown
Walmart and Costco
1,182 points
Groceries, Gas, Rental Car & Taxi
26,571 points
All other purchases
8,160 points
Net Annual Rewards
35,913 points
Valued at $179.57
Rewards Summary
Net Annual Rewards
35,913 points
Valued at $179.57
Welcome Bonus
5,000 points
Valued at $25
First Year Value
40,913 points
Valued at $204.57
Point Redemptions
Tim Hortons Purchases
$204.57
Insurance & Benefits
Insurance
Coverage
Purchase Protection
$1K up to 90 days
Extended Warranty
$1K up to a year
- • Extended Warranty Insurance doubled up to 1 year (Maximum $1K)
- • Purchase Protection Insurance up to 90 days (Max $1000 per occurance)
Pros & Cons
Pros
- Easier approval requirement compared to many other cards.
Cons
- No other redemption options other than Tim Hortons.
- 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.Rewards on this card is one of the lowest among credit cards in Canada.