Neo Financial is the current issuer of the Tims Mastercard. If you choose to move your card, Neo Financial will provide you with a replacement credit card. Based on your profile, you may be eligible for a Neo World Elite or Standard Mastercard that earns cashback. No credit check required.

If you do not want to move your card, you’ll also have the option to pay your balance in full and close your account.

Follow the steps provided to transfer your transaction history, current balance, and available credit limit to Neo. This process takes a few minutes.

After October 1, 2026, all Tims Mastercard accounts that have not been moved will be managed through digital statements and phone support only.

No. You do not need to submit a new credit application. No credit check is required. A new Neo account will be created for you as part of the transition if you don’t already have one.

Yes, you will have the opportunity to choose an eligible Neo cashback credit card that will replace your Tims Mastercard.

Once you complete your move to Neo, you will see prompts to choose a new cashback credit card.

If your mailing address has changed, please update it as soon as possible.

If you do not move your card before October 1, 2026, your card will still work and be managed by Neo Financial, but with limited features: email statements, no rewards, and phone support only. You may also no longer be eligible for a Neo World Mastercard after this date.

Yes. As part of moving your card to Neo Financial, you will receive a new card number if you choose to change your Tims Mastercard to an eligible Neo cashback credit card.

You can start using your new Neo credit card as soon as it is activated.

Your Tims transaction history, current balance, statements, and available credit will move with you to Neo Financial. So you can start spending right away.

Subject to your account being in good standing, your credit limit will be the same with Neo as your Tims Mastercard—and your account history, transactions, and statements all carry over.

Based on your profile, you will be presented to choose aNeo cashback credit card —money deposited into your wallet, spendable anywhere.

If you do not move your card before October 1, 2026, your eligibility for a Neo World or Standard Mastercard may no longer apply after this date. You will no longer earn Tims Rewards Points after October 1, 2026.

After moving your Tims Mastercard to Neo, you will be able to choose a Neo cashback credit card that you can change to. Based on your selection, the benefits and rewards of the credit card will be shown to you.

No they will not change.

Once you receive your new Neo cashback credit card, update your card details with any merchants where you have recurring payments set up.

Your APR will stay the same, but your foreign transaction fee will increase from 2.5% to 3%.

If you carry a positive balance on your card that sits unused for over 12 months, an inactivity fee will apply. If there are additional changes in the future, you will be notified in advance.

Yes, you will receive instructions on how to set up and access your new Neo account as part of the move.

Yes, your account history, credit limit, transactions, and statements all carry over to your new Neo account.

Rest assured, your dispute or claim will be transferred and continue to be handled by Neo Financial.

To close your Tims Mastercard account, please call the number on the back of your card before October 1, 2026. If you close your Tims Mastercard account, any outstanding balance remains payable until fully repaid.

No, there will be no impact to your credit score.

Tim Hortons has made the decision to no longer offer the Tims Mastercard. The Tims Mastercard program is ending October 1, 2026. You may receive an email outlining changes and next steps about your account.

The Tims Mastercard program ends October 1, 2026. After this date, access to Tims Financial on the Tim Hortons app—and online account access—will end.

Your Tims Rewards Points are still yours to use—they’re added to your Tims Rewards account as soon as you earn them. Your card will stop earning Tims Rewards Points when the program ends on October 1, 2026. Any pending transactions that have not yet posted will not earn Tims Rewards Points. You will still be able to redeem your existing points in the Tims app, even after October 1.

Please note: All Tims Rewards Points expire 12 months from the month in which you earned them.

Yes, you remain responsible for making at least the minimum payment by the due date. Late or missed payments may result in fees and could be reported to credit bureaus. If you close your Tims Mastercard account, any outstanding balance remains payable until fully repaid, and you must continue making payments by the due date.

Any purchases, refunds, or pending charges will be processed normally during this time.

Please continue making payments as normal. Your account status will carry over. You remain responsible for making at least the minimum payment by the due date. Late or missed payments may result in fees and could be reported to credit bureaus.

If you close your Tims Mastercard account, any outstanding balance remains payable until fully repaid, and you must continue making payments by the due date.

Until October 1, 2026, you can continue to use the usual support options below:

After October 1, 2026, please call 1 855-505-1964. Specialists are available from 7am to 8pm MT every day.