Tims® Mastercard Secured
2.6/5
$20 digital gift card upon first purchase with a new Tims Mastercard
Rewards Calculator Algorithm
You can estimate your rewards by inputting your monthly or yearly spending habits.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
25% Referral Cash Bonus
Share your unique referral link to the Tims® Mastercard Secured and earn a 25% rebate bonus. Learn more about the Finly referral program.
Card Details
Based on $2,000 spending
First Year Value
$131.79
$101.79 in years after
Annual Rewards
$101.79
Tims Rewards
First Year Bonus
$0
Tims Rewards
Finly Rebate
Annual Fee
$0
First Year Value
$131.79
While the first year bonus value here shows $0, the actual welcome bonus for this credit card is valued at $20 when you meet the minimum spending or other listed requirements. The value of $0 here was derived based on numbers in the spending inputs.
Interest Rates
Cash Advance: 22.99% - 27.99% (for Quebec 24.99% max)
Purchase: 20.99% - 25.99% (for Quebec 24.99% max)
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score
Poor
Welcome Bonus
From October 16, 2024, to November 30, 2024, new customers who apply and are approved for the Tims Mastercard are eligible to receive a $20 CAD Tims Gift Card via email upon their first purchase with their new Tims Mastercard, (the “Welcome Offer”). To receive the Welcome Offer, your first purchase must be made within 30 days of your Tims Mastercard account activation. It can take up to 24 hours from the time of first purchase for the Welcome Offer to be processed and emailed. There is a limit of one Welcome Offer per person, per account, and it cannot be combined with any other offers. This Welcome Offer is subject to the Tims Rewards Terms and Conditions and the Tims Rewards – Tims Mastercard Offer Terms and Conditions.
Card Type
Category: Secured Credit
Loyalty Program: Tims Rewards
Our Rating
2.6/5
Institution
Tims Financial
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
Tims® Mastercard Secured Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Walmart and Costco
1,053 points
Groceries, Gas, Rental Car & Taxi
11,144 points
All other purchases
8,160 points
Net Annual Rewards
20,358 points
Valued at $101.79
Rewards Summary
Net Annual Rewards
20,358 points
Valued at $101.79
First Year Card Bonus
0 points
First Year Card Value
20,358 points
Valued at $101.79
Finly Rebate
$30
Point Redemptions
Redemptions Chart
Tim Hortons Purchases
$101.79
Statement Credits
$34
Insurance & Benefits†
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
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.