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 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, 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
$
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.
Card Details
Based on $2,000 spending
First Year Value
$225.37
$185.37 in years after
Annual Rewards
$185.37
Tims Rewards
First Year Bonus
$0
Tims Rewards
Finly Rebate
Annual Fee
$0
First Year Value
$225.37
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.
Card Details
Info
Card Type | Points |
Our Rating | 2.4/5 |
Institution | Tims Financial |
Loyalty Program |
Fees & Rates
Annual Fee | $0 |
Interest Rates | Purchase: 20.99% - 25.99% (for Quebec 24.99% max) Cash Advance: 22.99% - 27.99% (for Quebec 24.99% max) |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: N/A Household: N/A |
Bonuses
Welcome Bonus | Get a 40oz tumbler + $20 gift card upon first purchase with the card |
Description | 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. |
Rewards†
- 15x points per $1 when you scan for Tims Rewards
- 5x points per $1 on groceries (excluding Walmart and Costco), gas & EV charging, transit, taxi's & rideshares up to 100,000 points per year
- 0.5x point per $1 dollar on everywhere else
Tims® Mastercard Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Walmart and Costco
1,053 points
Groceries, Gas, Rental Car & Taxi
27,861 points
All other purchases
8,160 points
Net Annual Rewards
37,074 points
Valued at $185.37
Rewards Summary
Net Annual Rewards
37,074 points
Valued at $185.37
First Year Card Bonus
0 points
First Year Card Value
37,074 points
Valued at $185.37
Finly Rebate
Point Redemptions
Redemptions Chart
Tim Hortons Purchases
$185.37
Statement Credits
$61.92