Tims® Credit Card Review

Tims® Mastercard Secured

3.4/5

Get a $20 digital gift card upon first purchase with a new Tims Mastercard.

APPLY NOW

Tims® Credit Card Review

Tims® Mastercard Secured
Review

APPLY NOW

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.

Card Details

Based on $2,000 spending

First Year Value


$121.79

$101.79 in years after

Annual Rewards

$101.79

Tims Rewards

First Year Bonus

$20

Tims Rewards

Annual Fee

$0

First Year Value

$121.79

$101.79 in years after

Interest Rates


Purchase: 20.99% - 26.99%□

Cash Advance: 22.99% - 27.99%□

□ Quebec residents rates: Cash advance 22.99% - 24.99%, Purchase 20.99% - 24.99%

Annual Fee


$0

Annual Income


Personal: N/A

Household: N/A

Credit Score Estimate


300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Welcome Bonus


From February 17, 2025, to April 30, 2025, 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.

Card & Reward Type


Card Type: Secured Credit

Reward Type: Points

Loyalty Program: Tims Rewards

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

    Purchase Protection

    90 days
  • extended warranty

    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.

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.
Rewards Breakdown

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