TORONTO, ON–The Tims Credit Card is a Mastercard, powered by Neo Financial™. It has no annual fee and earns Tims Rewards Points everywhere customers shop, with up to 5 points per dollar on most gas, groceries and transit purchases, and up to 15 points per dollar when customers 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.

“With almost five million Canadians actively using our Tim Hortons app every month, it became obvious that we could offer our most loyal guests a way to earn Tims Rewards Points even faster with everyday spending and higher points on most gas, grocery and transit purchases5,” said Markus Sturm, Senior Vice President of Digital, Loyalty and Consumer Goods at Tim Hortons.

The Tims Credit Card can be applied for, approved and managed entirely through the Tim Hortons app on your phone.

There will also be a version of the Tims Credit Card offered to Canadian residents who have limited or no credit history – like students and newcomers – that will earn Tims Rewards Points and can help build their credit4.

“We have designed the most attractive credit card for Canadians that love Tim Hortons and want the opportunity to earn even more free coffee, beverages and food. We believe this is an exciting new financial option for millions of Canadians, including newcomers and students who are looking to build their credit history,” added Sturm.

Sign up for the waitlist at and be one of the first to know when the Tims Credit Card becomes available in the coming months.

The Purchase Credit Rate on the Tims Credit Card is 20.99%-25.99% and the Cash Advance Rate is 22.99%-27.99%. For Quebec: Monthly Statements; No monthly or annual fees; 21-day grace period; Minimum payment is the higher of $10.00 or 5.0% of total statement balance; Purchase rate 20.99%-24.99% and cash advance rate 22.99%-25.99%. The standard rate on Purchases and Cash Advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate. Certain purchases are prohibited by law from earning Tims® Rewards Points. Costco and Walmart are excluded from gas and grocery points.

Neo Financial is a technology company simplifying finances through reimagined spending, savings, investing, and mortgages. Founded in 2019 by the co-founders of SkipTheDishes, Neo has raised more than $299 million in funding from top-tier investors and has been recognized as one of the top tech startups in Canada by LinkedIn. Neo is headquartered in Winnipeg and Calgary, and is backed by top investors across North America. Neo for Business powers financial solutions for Intuit TurboTax®, Hudson’s Bay, and over 10,000 other partners across the country. To learn more, visit

With $58.5 billion in assets, ATB Financial is an Alberta-built financial institution that is a catalyst for economic growth in our province. We got started in 1938 to help Albertans through tough economic times. Today, ATB Financial’s more than 5,000 team members love to deliver exceptional experiences to nearly 800,000 clients through our many branches and agencies, our 24-hour Client Care Centre, four entrepreneur centres, and our digital banking options. ATB powers possibility for our clients, Alberta and beyond.

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