{"id":436730,"date":"2025-04-01T13:54:45","date_gmt":"2025-04-01T17:54:45","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=436730"},"modified":"2026-05-09T08:34:08","modified_gmt":"2026-05-09T08:34:08","slug":"should-you-get-a-tims-mastercard","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/should-you-get-a-tims-mastercard\/","title":{"rendered":"Should You Get a Tims Mastercard?"},"content":{"rendered":"\n<p>When you\u2019ve been on the hunt for an early morning caffeine fix or some tasty treats for your road trip, there\u2019s a reasonable chance that you\u2019ve stopped in at a Tim Hortons.<\/p>\n\n\n\n<p>Known for its double-doubles, iced cappuccinos, and shareable Timbits, Tim Hortons is a familiar brand to pretty much every Canadian \u2013 but how many of them know that this restaurant\/coffee shop also has its own co-branded credit cards?<\/p>\n\n\n\n<p>In this article, we\u2019ll take a look at the two <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/finance\/tim-hortons-tims-credit-card\/\">Tims Mastercards<\/a> to explore their rewards and benefits and see how they stack up against other cards on the market.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2211\" height=\"1113\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Box-of-donuts.png\" alt=\"Should You Get a Tims Mastercard? - Tims Mastercards Box of donuts\" class=\"wp-image-436785\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Box-of-donuts.png 2211w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Box-of-donuts-450x227.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Box-of-donuts-1024x515.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Box-of-donuts-200x101.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Box-of-donuts-768x387.png 768w\" sizes=\"(max-width: 2211px) 100vw, 2211px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tims-mastercards\">Tims Mastercards<\/h2>\n\n\n\n\n\n<p>Designed with the Tim Hortons loyalist in mind, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tims-mastercard\/\">Tims Mastercard<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/secured-tims-mastercard\/\">Secured Tims Mastercard<\/a> (not available in Quebec) let you earn <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/tims-rewards\/\">Tims Rewards<\/a> points on all your purchases.<\/p>\n\n\n\n<p>These points can then be redeemed at Tim Hortons once you&#8217;ve saved up enough for the menu item of your choice.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/TimHortons-1024x538-02-ENG.jpg\" alt=\"Should You Get a Tims Mastercard? - TimHortons-1024x538-02\" class=\"wp-image-421816\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/TimHortons-1024x538-02-ENG.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/TimHortons-1024x538-02-ENG-450x236.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/TimHortons-1024x538-02-ENG-200x105.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/TimHortons-1024x538-02-ENG-768x404.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>The <a title=\"Tims Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/tims-mastercard\/\" rel=\"noindex\">Tims Mastercard<\/a> comes with no annual fee and no minimum income requirement, making it accessible to many people. However, this card does require that you have a good credit score and do a credit check to be approved.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"411100\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Comparately, Tim Hortons&#8217; other credit card, the Secured Tims Mastercard doesn&#8217;t require a credit check in order to be approved. This makes it ideal for individuals who are looking to build their <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/101-credit-score\/\">credit score<\/a>.<\/p>\n\n\n\n<p>This could be a solid choice for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/students\/\">students<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/newcomers-to-canada\/\">newcomers to Canada<\/a> who are just starting out on their Canadian credit journey.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>What is a secured credit card? \u2013 A secured credit card, like the Secured Tims Mastercard, is a credit card that doesn&#8217;t require a credit check for approval. Instead, the cardholder will put down a refundable cash deposit as collateral in order to secure the card.<\/p>\n\n\n\n<p>Check out <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/security-deposit-for-a-secured-credit-card\/\">our guide on secured credit cards<\/a> to learn more.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"411121\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tims-mastercard-review\">Tims Mastercard &#8211; Review<\/h2>\n\n\n\n<p>Relative to many other credit cards on the market, the two Tims Mastercards don\u2019t offer a ton of benefits. That said, if you\u2019re a big fan of Timmies, they might be a perfect fit for you.<\/p>\n\n\n\n<p>Both cards let you earn Tims Rewards points on all your purchases, and you can then redeem these points for Tim Hortons menu items or statement credits. Additionally, both cards come with a few consumer protection perks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-earning-tims-rewards\">Earning Tims Rewards<\/h3>\n\n\n\n<p>Comparing the two cards, the <a title=\"Tims Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/tims-mastercard\/\" rel=\"noindex\">Tims Mastercard<\/a> lets you earn Tims Rewards points every time you use the card, as follows:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Earn 15 points per $1 spent at Tim Hortons when you also scan your Tims Rewards card<\/li>\n\n\n\n<li>Earn 5 points per $1 spent on groceries, gas, transit\/taxi\/ride-sharing, and EV charging<\/li>\n\n\n\n<li>Earn 1 point per $2 spent on all other purchases<\/li>\n<\/ul><\/div>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/secured-tims-mastercard\/\">Secured Tims Mastercard<\/a> earns points at the following rates:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Earn 12 points per $1 spent at Tim Hortons when you also scan your Tims Rewards card<\/li>\n\n\n\n<li>Earn 2 points per $1 spent on groceries, gas, transit\/taxi\/ride-sharing, and EV charging<\/li>\n\n\n\n<li>Earn 1 point per $4 spent on all other purchases<\/li>\n<\/ul><\/div>\n\n\n\n<p>Now, since <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/tims-rewards\/\">Tims Rewards points are worth 0.5 cents each<\/a>, this means you could get an impressive 7.5% return when you earn 15 points per $1 spent at Tim Hortons.<\/p>\n\n\n\n<p>However, keep in mind that with both cards, the higher earning rates are limited to the first $20,000 you spend each year. After this limit, all purchases revert to base earning rate of 1 point per $2 spent or 1 point per $4 spent.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Keep in mind that Tims Rewards points expire 12 months after the month in which they were earned. For example, this means that points accumulated on March 15, 2025, will expire on April 1, 2026.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2290\" height=\"1151\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Earning.png\" alt=\"Should You Get a Tims Mastercard? - Tims Mastercards Earning\" class=\"wp-image-436965\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Earning.png 2290w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Earning-450x226.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Earning-1024x515.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Earning-200x101.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Earning-768x386.png 768w\" sizes=\"(max-width: 2290px) 100vw, 2290px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-redeeming-tims-rewards\">Redeeming Tims Rewards<\/h3>\n\n\n\n<p>The points you earn with your <a title=\"Tims Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/tims-mastercard\/\" rel=\"noindex\">Tims Mastercard<\/a> can be redeemed for menu items at participating Tim Hortons, as well as for statement credits up to $45.<\/p>\n\n\n\n<p>You can explore <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/tims-rewards\/\">our complete guide to the Tims Rewards program<\/a> to learn all the ins and outs of earning and redeeming your points, but to give you an idea of the available value, here are some popular redemption choices:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Classic donut: 300 points<\/li>\n\n\n\n<li>Brewed coffee: 400 points<\/li>\n\n\n\n<li>10-pack of Timbits: 800 points<\/li>\n\n\n\n<li>Breakfast sandwich: 1,100 points<\/li>\n<\/ul><\/div>\n\n\n\n<p>If you&#8217;d rather use your points to pay down your statement balance, you can do so at the following rates:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1547\" height=\"844\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercard-Statement-Credits-EN.png\" alt=\"Should You Get a Tims Mastercard? - Tims Mastercard Statement Credits EN\" class=\"wp-image-436768\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercard-Statement-Credits-EN.png 1547w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercard-Statement-Credits-EN-450x246.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercard-Statement-Credits-EN-1024x559.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercard-Statement-Credits-EN-200x109.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercard-Statement-Credits-EN-768x419.png 768w\" sizes=\"(max-width: 1547px) 100vw, 1547px\" \/><\/figure>\n\n\n\n<p>Both the <a title=\"Tims Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/tims-mastercard\/\" rel=\"noindex\">Tims Mastercard<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/secured-tims-mastercard\/\">Secured Tims Mastercard<\/a> let you use your points for statement credits once every 7 days.<\/p>\n\n\n\n<p>If you have enough points and an eligible unpaid purchase on your statement, you can redeem $5 to $45. Take a look at the <a target=\"_blank\" href=\"https:\/\/support.timsfinancial.ca\/hc\/en-ca\/sections\/20448580621851-Tims-Mastercard-Statement-Credit\">Tims Financial website<\/a> to learn more or explore your options in the app.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2160\" height=\"1134\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Redeeming-EN.png\" alt=\"Should You Get a Tims Mastercard? - Tims Mastercards Redeeming EN\" class=\"wp-image-436958\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Redeeming-EN.png 2160w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Redeeming-EN-450x236.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Redeeming-EN-1024x538.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Redeeming-EN-200x105.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/03\/Tims-Mastercards-Redeeming-EN-768x403.png 768w\" sizes=\"(max-width: 2160px) 100vw, 2160px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-so-should-you-get-a-tims-mastercard\">So Should You Get a Tims Mastercard?<\/h2>\n\n\n\n<p>Whether or not you should get one of the Tims Mastercards depends on your current financial needs and goals.<\/p>\n\n\n\n<p>To help you make this decision, let\u2019s look at the good and the not-so-good qualities of the two cards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tims-mastercards-the-good\">Tims Mastercards &#8211; The Good<\/h3>\n\n\n\n<p>One of the best parts of the Tims Mastercards is that they both have no annual fee and no minimum income requirement. Plus, as long as you\u2019re able to provide the necessary deposit for the secured card, you\u2019re almost certain to be approved.<\/p>\n\n\n\n<p>Thanks to these features, the cards are accessible to most people, and the secured option (not available in Quebec) can be a great way to establish or rebuild your credit score.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-earning-rates\">Earning rates<\/h4>\n\n\n\n<p>Another way that the Tims Mastercards are valuable is through their ability to earn points that can be redeemed for food and drinks at Tim Hortons across the country or for statement credits on eligible purchases.<\/p>\n\n\n\n<p>In fact, when you use the <a title=\"Tims Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/tims-mastercard\/\" rel=\"noindex\">Tims Mastercard<\/a> for your Tim Hortons purchases, you net the notable return rate of 7.5% (15 points per $1 spent X \u00a20.5 in presumed value).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-other-perks\">Other perks<\/h4>\n\n\n\n<p>In terms of additional non-reward perks, both the <a title=\"Tims Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/tims-mastercard\/\" rel=\"noindex\">Tims Mastercard<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/secured-tims-mastercard\/\">Secured Tims Mastercard<\/a> offer cardholders extended warranty and purchase protection coverage, giving you some extra peace of mind with your new purchases.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-which-card-is-better\">Which card is better?<\/h4>\n\n\n\n<p>At this point, you may be wondering which of the two cards is the best option.<\/p>\n\n\n\n<p>Well, the only notable difference between the two cards are the earning rates and the application process.<\/p>\n\n\n\n<p>Given this, if you&#8217;re able to get the <a title=\"Tims Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/tims-mastercard\/\" rel=\"noindex\">Tims Mastercard<\/a> and enjoy the higher earning rates, that would be the most lucrative choice. However, the secured option is also a decent choice if it better suits your current financial situation.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"228051,136815,252943\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tims-mastercards-the-not-so-good\">Tims Mastercards &#8211; The Not-So-Good<\/h3>\n\n\n\n<p>Now that we&#8217;ve explored the cards&#8217; good qualities, let\u2019s take a quick look at the not-so-good parts.<\/p>\n\n\n\n<p>First, a notable limitation of the Tims Mastercards is that the points you earn can only be used at Tim Hortons and for small statement credits, and the earning rates when spending anywhere other than Tim Hortons aren&#8217;t amazing.<\/p>\n\n\n\n<p>For example, to get enough points to redeem for a coffee and a donut (700 points or around a $3.50\u20134.00 value), you would need to spend $140 on groceries, gas, transit, or EV charging on the <a title=\"Tims Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/tims-mastercard\/\" rel=\"noindex\">Tims Mastercard<\/a> or $350 on the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/secured-tims-mastercard\/\">Secured Tims Mastercard<\/a>.<\/p>\n\n\n\n<p>This earning rate is giving you an approximately 2.5% return from the eligible category spend with the Tims Mastercard and only around a 1% return the secured credit card option.<\/p>\n\n\n\n<p>These earning rates are less than ideal given that you could actually earn considerably more valuable rewards by paying with a credit card that earns a strong return across the entire restaurant category (more on this in the next section!) and not just at Tim Hortons.<\/p>\n\n\n\n<p>Additionally, the Secured Tims Mastercard isn\u2019t the strongest secured card on the market. If you\u2019re in search of a secured credit card, we recommend you read through <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/security-deposit-for-a-secured-credit-card\/\">our guide to secured credit cards<\/a> to learn more about your options.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"253125\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alternative-cards-for-earning-rewards-at-restaurants\">Alternative Cards for Earning Rewards at Restaurants<\/h2>\n\n\n\n<p>If you\u2019re looking for a card that earns valuable rewards at all restaurants, not just Tim Hortons, there are a number of strong contenders.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/amex-cobalt-partners-transfer\/\">American Express Cobalt Card<\/a> \u2013 earn 5 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">Membership Rewards<\/a> (MR) points per $1 spent<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express Card<\/a> \u2013 earn 5 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/sceneplus\/\">Scene+ points<\/a> per $1 spent<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/mbna-rewards-world-elite-mastercard\/\">MBNA Rewards World Elite Mastercard<\/a> \u2013 earn 5 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/mbna-rewards\/\">MBNA Rewards<\/a> points per $1 spent<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\">National Bank World Elite Mastercard<\/a> \u2013 earn 5 <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/nbc-a-la-carte-rewards\/\">NBC Rewards<\/a> points per $1 spent<\/li>\n<\/ul><\/div>\n\n\n\n<p>Depending on how you redeem the points you accumulate with any of these cards, you could enjoy a solid 5% return (or even more if you <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/use-points-purchase\/\">transfer the Amex Cobalt\u2019s MR points to an airline or hotel loyalty program<\/a>!).<\/p>\n\n\n\n<p>One additional option \u2013 if you\u2019d prefer to earn straightforward cash back, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/simplii-financial-cash-back-visa-card\/\">Simplii Cash Back Visa Card<\/a> earns 4% cash back on eligible restaurant, bar, and coffee shop purchases (on up to $5,000 in spending per year).<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--5 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22640,394903,401432,363686\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>The <a title=\"Tims Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/tims-mastercard\/\" rel=\"noindex\">Tims Mastercard<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/secured-tims-mastercard\/\">Secured Tims Mastercard<\/a> give fans of the legendary brand the chance to earn points that can be redeemed for tasty Tim Hortons menu items.<\/p>\n\n\n\n<p>With no annual fees and no income requirements, a Tims Mastercard might just be the right choice for you if you&#8217;d like to save a bit of money on your favourite donuts and coffee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h2>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_i_have_to_pay_for_the_tims_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo I have to pay for the Tims Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No. The Tims Mastercard is a no-annual-fee credit card with no minimum income requirement.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_many_tim_hortons_locations_are_there_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow many Tim Hortons locations are there?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>There are more than 5,500 Tim Hortons locations in 10+ countries around the world.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_apply_for_a_job_at_tim_hortons_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I apply for a job at Tim Hortons?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To apply for a job at Tim Hortons, you can visit your nearest Tim Hortons branch or apply directly online on the <a href=\"https:\/\/www.careers.timhortons.ca\/job-opportunities\" target=\"_blank\" rel=\"noopener\">Tim Hortons Careers<\/a> page.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_does_the_tims_reg_mastercard_reg_welcome_bonus_work_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow does the Tims<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> welcome bonus work?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The current welcome offer is a <strong>$20 Tim Hortons gift card<\/strong> &mdash; small, but in line with what you&rsquo;d expect from a no-annual-fee card. Milesopedia estimates a <strong>first-year value of around $269<\/strong> when you combine the welcome bonus with a typical year of Tims Rewards earnings (assuming 5&ndash;7 Tims visits per week and average grocery\/gas spending). Compared to a $0 sign-up bonus on most no-fee cards, the $20 gift card plus accelerated Tims Rewards earnings make this a worthwhile Tim Hortons add-on, but not a primary card.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>The Tims Mastercards lets Tim Hortons fans easily earn points that can be redeemed for delicious meals and treats.<\/p>","protected":false},"author":2499,"featured_media":436776,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-436730","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":411100,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Should You Get a Tims Mastercard? 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