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.

Neo Financial is the current issuer of the Tims Mastercard. Depending on your card status, Neo Financial may issue you a Neo-branded replacement card.

For more details, view “Will I get a new credit card?”

No, this change will not impact your credit score.

No action is required from you right now. You can continue using your card as normal.

On October 1, 2026, access to Tims Financial on the Tim Hortons app will end. Whether you receive a Neo-branded replacement card in the mail depends on your card expiry and usage. For more details, view “Will I get a new credit card?”

After October 1, 2026, servicing will be available through email statements and phone support only.
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You can continue paying your credit card through bill payments using the payee name “Tims Mastercard” even after you receive your Neo-branded replacement card.

No. No action is required, and no credit check will be performed. Whether you receive a Neo-branded replacement card depends on your card status.

For more details, view “Will I get a new credit card?”See "Will I get a new credit card?"

It depends on your card. If your card expires before September 30, 2026, you will receive a new Neo-branded card as part of your regular card renewal.

If your card expires after September 30, 2026:

If your mailing address has changed, please update it to make sure you receive your card.

No, your card number will not change.

If you receive a Neo-branded replacement card, activate it when it arrives and update any recurring payments.

If you do not receive a replacement card, continue using your existing card while it remains active. After October 1, 2026, your account will be serviced through digital statements and phone support only.

Your existing balance carries over to your Neo-branded account. Nothing is lost.

Your credit limit will remain the same on transfer.

The Neo-branded replacement card does not include a rewards program.

You will not have the ability to earn new Tims Rewards Points, but you’ll be able to redeem your existing Tims Rewards Points in the Tims app anytime.

Your replacement card includes standard Mastercard benefits. It does not include a rewards program. Servicing is available through digital statements and phone support only.

Your billing date and cycle will remain the same. If changes occur, Neo will notify you. You can pay your credit card statement through bill payments.

Your current card will continue to work for purchases until it expires or until October 1, 2026. If you receive a Neo-branded replacement 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.

On October 1, 2026, access to Tims Financial on the Tim Hortons app and online account access will end. Your replacement card will be managed through digital statements and phone support only.

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

Rest assured, your dispute or claim will be handled by Neo Financial.

To close your account, please call the number on the back of your card at any time. 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.

When confirming your Tims account, enter the email address and phone number linked to your Tims Financial account. If you still get an error, you may not be eligible to move at this time.

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.