20.99% - 25.99%
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
What can you do with your 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.
Insurance & Benefits
90 Days, $1K max
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
Pros & Cons
Easier approval requirement compared to many other cards
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.