It's time to say goodbye to Tims Mastercards. They're no longer available to new members. If you already have a card, you can keep using it until October 1, 2026.
What happens then? Neo (the backer of Tims cards) will issue you a simple Mastercard that has no fee but also offers nothing – that means no perks or rewards.
Alternatively, you can transfer your account over to Neo, which allows you to instead choose any Neo card as your replacement – no credit checks required. These cards do have rewards, so this is a much better option.
And of course, you also have the option to simply pay your balance and close your account.
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Neo credit card replacements
Neo Financial has quite a few credit cards you can choose from – and they're all offered as secured cards, too, so if you're looking for a good replacement for your secured Tims card, you'll have plenty of options.
Every Neo Mastercard has rewards partnerships with many different retailers.
First, there's the most basic card: the Neo Mastercard. The rewards are limited – it only earns 1% cash back when not shopping with a partner retailer.
Next up is the Neo World Mastercard. There are 3 versions of it, each with a different set of rewards. These cards have no annual fee and come with some insurance and World Mastercard benefits.
Here are the different rewards for each version. If you're looking to maximize your rewards at Tim Hortons, the best replacement is the Shop and Dine version.
| Neo World Mastercard - Gas & Grocery | Neo World Mastercard - Shop & Dine | Neo World Mastercard - Everywhere | |
|---|---|---|---|
| Rewards | * Average of 5% cash back at partner retailers * 2% cash back on groceries, up to $1,000 spent monthly * 2% cash back on recurring bills, up to $500 spent monthly * 2% cash back on gas and EV charging, up to $1,000 spent monthly * 0.5% cash back everywhere else | * Average of 5% cash back at partner retailers * 2% cash back on restaurants, up to $500 spent monthly * 2% cash back on various shopping retailers, up to $500 spent monthly * 0.5% cash back everywhere else | * Average of 5% cash back at partner retailers * 1% cash back everywhere else |
| Learn More | Learn More | Learn More | Learn More |
Then, there's the Neo World Elite Mastercard family. It takes everything up a few notches for a 149 annual fee. And like the World version, it comes in 3 flavours, with the Shop and Dine earning you the most rewards at Tims.
| Neo World Elite Mastercard - Gas & Grocery | Neo World Elite Mastercard - Shop & Dine | Neo World Elite Mastercard - Everywhere | |
|---|---|---|---|
| Rewards | * Average of 5% cash back at partner retailers * 5% cash back on groceries, up to $1,000 spent monthly * 4% cash back on recurring bills, up to $500 spent monthly * 3% cash back on gas and EV charging, up to $1,000 spent monthly * 1% cash back everywhere else | * Average of 5% cash back at partner retailers * 5% cash back on restaurants, up to $1,000 spent monthly * 3% cash back on various shopping retailers, up to $1,000 spent monthly * 1% cash back everywhere else | * Average of 5% cash back at partner retailers * 2% cash back on all other purchases |
| Learn More | Learn More | Learn More | Learn More |
Unfamiliar with what World Elite Mastercards have to offer? Check out our guide.
Finally, Neo also issues a pair of airline credit cards: the United MileagePlus Neo World Elite Mastercard and the Cathay World Elite Mastercard. If you feel like dabbing in foreign airline rewards, check these out instead.
Below, you can compare all Neo cards by Genius Rating and more:
×1 Award winner 
$50 GeniusCash + 2% cashback on everyday purchases + No annual fee.*
GC: $50
1x Award winner 
Other no annual fee Tims Credit Card replacements
If you're looking for other replacements for your Tims credit card, we've got you covered. Here are a few cards that have no annual fee and offer bonus rewards at restaurants. And since Amex cards are accepted at Tim Hortons, they're not off limits here.
×2 Award winner GC: $125
2x Award winner 
For more options, check out our award winners for the best credit cards for restaurants.
Credit card updates
It's been a busy year for credit cards – major overhauls, new cards, and cards that have been retired. Keep on top of it all through our newsletter.
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