Tims Financial: Tims Financial is a free no annual fee MasterCard from Tim Hortons. Rewards earned on the Tims Mastercard can be redeemed for statement credits or food and beverages at Tim Hortons restaurants in Canada.

Get a $20 sign up bonus from Tim Hortons! For Free!

Download the mobile app and use the Tims Hortons referral code R2SZ1KL2 when signing up!