Secured Tims Mastercard 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Secured Tims Mastercard4.0/5

Tims Financial

Annual fee
CA$0
Rewards rate
12%-1%
Welcome Bonus
CA$20
Apply Now →on Tims Financial's website

  • 12%Points at Tim Hortons
  • 2%Points on gas, groceries, and transit
  • 1%Points on all other purchases

Welcome Bonus:

Get a $20 digital gift card upon first purchase.

Reward Rate:

Earn 12 points per $1 at Tim Hortons, 2 points per $1 on gas, groceries, and transit, and 1 point per $4 elsewhere.

The Secured Tims Mastercard is appealing for its unique rewards structure, allowing users to earn points on everyday purchases while building credit. With a welcome bonus of a digital gift card, it provides an engaging way to incentivize responsible spending.

Pros:

  • No annual fee
  • Earns rewards on purchases
  • Guaranteed acceptance

Cons:

  • Requires a security deposit
  • Limited to specific categories for higher rewards
Apply now →

The Secured Tims Mastercard is well-suited for individuals looking to build or rebuild their credit history while earning rewards on everyday purchases. With no annual fee and a straightforward rewards structure, it may particularly appeal to those who are new to credit or prefer a low-cost option to manage their finances responsibly.

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