Neo Financial is both the issuer of your Tims Mastercard and your Neo credit card. Because you already have an open Neo credit account, you can combine your Tims credit limit and balance into your existing Neo card. No credit check required.

No surprises — you'll review the details before you confirm anything.

Follow the steps provided to combine your Tims credit limit and balance into your existing Neo card.

You’ll be asked to log into your Neo account to review and confirm changes before transferring over.

Follow the steps provided to consolidate your accounts. In compliance with Quebec law, you’ll need to submit a request to transfer your credit limit from Tims Financial to Neo. You'll get to review and request your new credit limit increase when transitioning your account.

No. No credit check required. Because you already have a Neo credit card, you can choose to combine your Tims credit limit and balance into your existing Neo card.

No. Since you already have a Neo Financial credit card, you will not receive a new card. Your existing Neo card will remain your primary card with a combined credit limit.

No. You will continue using your existing Neo card and card number. Your Tims Mastercard account will be closed once the consolidation is complete.

Your Tims balance can be transferred to your existing Neo account — with your consent. The balance transfer typically takes a few business days. You'll have full visibility before anything moves.

Your Tims credit limit will be combined with your existing Neo credit limit — one card, one place. You review and confirm the details before anything changes.

If you do not proceed with this offer, you will be sent a replacement Tims Mastercard in the mail that will no longer have any associated rewards.

No change to your existing Neo billing cycle. Your statements will continue on the same schedule.

Your automatic payments and direct debits on your Neo credit card will continue without interruption. For any automatic payments on your old Tims Mastercard, please update your details to your Neo card as soon as possible.

No change. You can continue to access your existing Neo account as usual.

Your account history, transactions, and statements from your Tims account will not carry over to your Neo account. To avoid losing access to your Tims Mastercard statements after October 1st, 2026, we strongly recommend downloading past statements from your Tims Financial account. Your existing Neo account history remains fully accessible.

Rest assured—all current disputes and claims on your Tims account must be resolved prior to account consolidation. Any new disputes or claims will be handled by Neo Financial.

Continue making payments as normal.

To close your Tims Mastercard, please call the number on the back of your card. Your existing Neo account will not be affected. No surprises — you’ll review all details before anything moves.

After requesting the credit limit increase, we’ll email you so you can accept your new credit limit. The full process can take up to 10 business days.

Closing your Tims account may impact your credit score, depending on your overall credit profile.

This is because changes like closing an account or using more of your available credit can affect how your credit is calculated. These impacts are usually temporary.

If your card includes a security deposit, it will be returned to you. Once your Tims Financial account is closed, you will receive an email with instructions on how to collect your deposit.

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.