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.
Finly's algorithm 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.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, etc.)
$
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
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Rebate + 25% Referral Bonus
Take advantage of Finly's exclusive rebate offer. Earn even more by sharing your unique referral link for a 25% bonus. Learn more about the Finly referral program.
What's on this Page
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
Purchase: 20.99% - 25.99% (for Quebec 24.99% max)
Cash Advance: 22.99% - 27.99% (for Quebec 24.99% max)
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Welcome Bonus
New customers who apply for and are approved for the Tims Mastercard are eligible to receive a $20 CAD Tims Gift Card via email. To qualify for the Welcome Offer, your first purchase must be made within 30 days of your Tims Mastercard account activation. All TimShop promo codes must be redeemed by March 25, 2025, at 11:59 p.m. It may take up to 24 hours from the time of your 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.
Our Rating
3.4/5
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
Insurance & Benefits
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
No additional benefits available for this card.
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.