Tims® Mastercard Secured
2.6/5
Get a 40oz tumbler + $20 gift card upon first purchase with the card
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.
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 Estimate
Welcome Bonus
From February 2, 2025, up to and including February 16, 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. 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
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
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.