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Tims® Mastercard Secured Review
The Bottom Line
If you have a low credit score and want to easily get approved for credit, this card is a great start. It's also a great card for loyal Tim Hortons customers and Canadian newcomers as it will help you build your score over time, even though the rewards might not be very high. You also have the option of getting the secured version which is even easier for approval.
APPLY NOW
on Tims Financial's website
Welcome Bonus
Get a $20 digital gift card upon first purchase with a new Tims Mastercard.
Annual Fee
$0
Interest Rates
20.99% - 26.99%□ / 22.99% - 27.99%□
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
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Eligibility
Credit Score
PoorAnnual Income
N/A
*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.
Welcome Bonus Details
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.
Card Details
Interest Rates
Purchase APR
20.99% - 26.99%□
Cash Advance APR
22.99% - 27.99%□
□ Quebec rates: Purchase 20.99% - 24.99%, Cash advance 22.99% - 24.99%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Poor
Type
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.
Get personalized rewards estimates — see exactly how much you could earn.
Tims® Mastercard Secured Points Calculator
APPLY NOW
on Tims Financial's website