Tim Hortons' Newest Loyalty Tool: Tims Credit Card

Anna Wolfe
Senior Editor, Restaurants
Tim Hortons credit card
Guests using Tim Hortons credit card earn rewards they can redeem for Tims' coffee and more. (Image courtesy of CNW Group/Tim Hortons)

The Tims Credit Card is  now available, offering the brand's loyal Canadia fans quicker ways to earn more free Tim Hortons coffee, beverages and food

The Tims Credit Card is a Mastercard, powered by Neo Financial, and Canadians can apply for the card now through the Tim Hortons app. Cardholders earn 5 points per dollar on groceries, gas, EV charging, taxi, rideshare and transit purchases, and 15 points per dollar when they use the card on eligible purchases at a Tim Hortons restaurant and scan for Tims Rewards. This means faster access to more free coffee, beverages and food at Tim Hortons restaurants. The credit card does not have an annual fee.

For a limited time, Canadians who apply for a new Tims Credit Card are eligible to receive a welcome offer of up to 5,000 Tims Rewards Points. They can get 2,000 Tims Rewards Points on their first eligible purchase made within 30 days of being approved, and when they spend over $200 a month on qualifying purchases in each of the following three months, they can get 1,000 Tims Rewards Points for each of those months.

A secured version of the Tims Credit Card for Canadian residents who have limited or no credit history – like students and newcomers – is also available now. Cardholders can build their credit history while also earning Tims Rewards Points all without paying an annual fee1.

Both versions of the Tims Credit Card provide additional, free benefits.

The Tims Credit Card is from Tims Financial, a new division of Tim Hortons established to give Canadians financial tools to manage their everyday finances. Both versions of the Tims Credit Cards can be applied for, approved, and managed entirely through the Tim Hortons app. 


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