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Tims® Credit Card Review

Credit Acceptance:

Card Network:

MASTERCARD

Good

660-724

Up to 10000 Tims Reward Points

Signup Bonus

tim-hortons-credit-card-review
$
Cash
tim-hortons-credit-card-review
$
Cash

Income Requirement:

N/A

5.5/10

Our Rating

Card Type

Points

Annual Fee

$0

Institution

Tims Financial

Interest Rate

20.99% - 25.99%

Earning Rewards

5 points for every dollar in Groceries (Excluding Walmart and Costco), Gas & EV, Transit, Taxi & Ridesharing and Tim Hortons up to 100000 per year

0.5 point for every dollar on everything else

FAIR

Redeeming Rewards

What can you do with your rewards?

Tim Rewards

What's a good redemption?

Tim Rewards points can be redeemed for Tim Horton items, so this program is only suitable for people who regularly dine at Tim Hortons; otherwise, there are no other redemption options.


Value of points could be anywhere from 0.3 cents up to 0.63 cents depending on what you redeem for. More breakdowns in the in-depth review at the end of the page.


Learn more on Tim hortons Reward page.

FAIR

Insurance & Benefits

Purchase Protection

90 Days, $1K max

Extended Warranty

1 Year, $1K max

• Purchase Protection Insurance up to 90 days up to $1000 per incident
• Extended Warranty up to 1 year up to $1000 per incident
• Get up to $10 back when you use a Tims Credit Card to tap and pay on PRESTO devices for your Monday rides in the Greater Toronto and Hamilton areas. Limited time offer till November 6th, 2023
• Get 3 months of Crave for free when you get the Tims Credit card

POOR

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.