The Secured Tims® Credit Card is one of the two cards with no annual fees offered by Tims Financial, the financial services division of Tim Hortons. The card is issued in collaboration with Neo Financial and Mastercard. As the name suggests, it's a secured credit card suitable for those who are building or rebuilding their credit. Applying for the card doesn't involve a hard credit check. As the card helps you build your credit, you'll be rewarded on not only your Tim Hortons coffee runs but also your everyday purchases. The card offers accelerated earning on groceries, gas, EV charging, transit, taxis, and rideshares.
Bonuses & Fees
As a welcome bonus, the Secured Tims® Credit Card offers up to 5,000 bonus points, broken down as follows:
- 2,000 Tims Rewards Points upon making your purchase within the first 30 days of approval
- 1,000 Tims Rewards Points upon spending $200 in the first month
- 1,000 Tims Rewards Points upon spending $200 in the second month
- 1,000 Tims Rewards Points upon spending $200 in the third month
Earning Rewards
The Secured Tims® Credit Card has the following earning structure:
- 12 Tims Rewards Points per dollar spent when you scan for Tims Rewards
- 2 Tims Rewards Points per dollar spent on qualifying grocery purchases
- 2 Tims Rewards Points per dollar spent on qualifying gas and EV charging
- 2 Tims Rewards Points per dollar spent on qualifying transit, taxi, and rideshares
- 1 Tims Rewards Point per $4 spent on all other qualifying purchases
Redeeming Rewards
Tims Rewards Points may be redeemed towards products at Tim Hortons at the following rates:
- Classic Donuts, Specialty Donuts, Hashbrowns, and Cookies: 300 points
- Brewed Coffee, Tea, Dream Donuts™, Dream Cookies™, Bagels, and Baked Goods: 400 points
- Hot Chocolate, French Vanilla, Iced Coffee and Wedges: 600 points
- Real Fruit Quenchers, Cold Brew, Classic Iced Capp®, Box of 10 Timbits®, Yogurt, Frozen Beverages and Espresso Drinks: 800 points
- Breakfast Sandwiches and Soups: 1,100 points
- Farmer's Wrap, BELT®, Lunch Sandwiches and Chili: 1,300 points
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Perks & Benefits
As a card with no annual fee, the Secured Tim Credit Card understandably has limited perks and benefits. Among the benefits cardholders may receive are:
- $25 off orders of $75 with Instacart
- Free three-month subscription to Crave streaming service
Insurance Coverage
The Secured Tims® Credit Card offers limited insurance coverage on retail purchases but not on travel. Its extended warranty coverage lengthens the manufacturer's warranty for most items purchased up to one year. Repairs, replacements, or reimbursements are limited to $1,000 maximum per incident. Meanwhile, its purchase protection coverage allows items purchased with the card to be repaired, replaced, or reimbursed up to $1,000 per incident. The protection is valid for 90 days after purchase.
†Terms and conditions apply. Tims Financial is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.