Tims Credit Card
Rewards
- 15pts Earn 15 points per $1 when you scan for Tims Rewards.
- 5pts Earn 5 points per $1 spent on groceries (excluding Walmart and Costco), gas and EV charging (excluding Costco gas), and transit, taxi, and ride-share purchases.
- 1pt Earn 1 point per $2 spent on eligible purchases.
- Welcome Offer Earn up to 5,000 Tims Rewards Points Terms apply.
- Annual Rewards $319 Learn how we calculate this.
- Annual Fee $0
- Minimum Income Required None
Pros
- No annual fee
- High earn rates on Tims Rewards scans
- Secured card option can help build credit
Cons
- Higher interest rates
- Points can only be redeemed for Tim Hortons beverages and food
The Tims Credit Card is a great rewards card for those who frequent Tim Hortons enough to see the payoff. While points are easy to earn, they can only be redeemed at Tim Hortons. And the card doesn’t offer perks like insurance that many other cards provide. Learn more in our review below.