Tims Financial · Mastercard
Secured Tims Mastercard
Cash back, earns Tims Rewards points
Annual feeNone
Foreign transaction fee2.5%
Purchase rate20.99%
Income requirementNot stated
Welcome offer
Not verified yetWelcome offer not verified yet
This card's data was imported on September 6, 2026 and has not been checked against the issuer's page yet. Check the issuer's website before you apply.
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- No annual fee
- Foreign transaction fee
- 2.5%
- Purchase rate
- 20.99%
- Cash advance rate
- 22.99%
- Income requirement
- Not stated
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026.
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 2× Tims | about 0.2% |
| Dining and delivery | 0.25× Tims | about 0.03% |
| Gas and EV charging | 2× Tims | about 0.2% |
| Recurring bills | 0.25× Tims | about 0.03% |
| Transit | 2× Tims | about 0.2% |
| Drugstores | 0.25× Tims | about 0.03% |
| Travel | 0.25× Tims | about 0.03% |
| Entertainment | 0.25× Tims | about 0.03% |
| Phone and internet | 0.25× Tims | about 0.03% |
| Streaming | 0.25× Tims | about 0.03% |
| Online shopping | 0.25× Tims | about 0.03% |
| Convenience stores | 0.25× Tims | about 0.03% |
| Office supplies | 0.25× Tims | about 0.03% |
| Other spending | 0.25× Tims | about 0.03% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Included insurance
- Extended warranty
- 1 year
- Purchase protection
- $1,000, 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.