Pros & cons
Pros
- Earn 5 points per $1 spent at Tim Hortons.
- Earn 5 points per $1 spent on groceries, gas, EV charging, and transit.
- Redeem rewards for any menu item at Tim Hortons.
- No annual fee.
Cons
- Points only worth 0.5 cents each.
- Low base earn rate of 1 point per $2 spent.
Your rewards
Getting your welcome bonus
Based on $3,000 in monthly spending, you can get up to an estimated $20.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Tims Mastercard (QC), here's how you earn rewards:
- 5 points per $1 spent at Tim Hortons
- 5 points per $1 spent on gas , groceries , EV charging , transit , taxis , rideshares
- 2 points per $4 spent everywhere else
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Tims Mastercard (QC) in particular, if you spend $3,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Tim Hortons | $353 |
Calculating your annual rewards
$36,000 annual spending x 0.79% return on spending = $283 annual rewards
$283 annual rewards − $0.00 annual fee = $283 net annual rewards
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1x Award Winner
Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $0.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 20.99% - 24.99%
- Cash Advance
- 22.99% - 24.99%
- Balance Transfer
- N/A
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
Tims Mastercard (QC)'s 3.1 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
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Key benefits
Conditions Apply: The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. Mastercard and the circles design is a trademark of Mastercard International Inc. Tims Financial is a registered trademark of Tim Hortons Canada.
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