Tim Hortons Mastercard program ends as accounts move to Neo

Tim Hortons has ended its Tims Financial credit card program, with former Tims Mastercard accounts now moving to Neo Financial after October 1, 2026.

The change means the Tims Mastercard is no longer supported through the Tim Hortons app, and cardholders no longer earn Tims Rewards points through purchases made with the former co-branded card.

What changed for Tim Hortons Mastercard customers

The Tims Financial program officially ended on October 1, 2026.

Neo Financial, which issued and powered the card, is now responsible for the transferred accounts.

Some eligible customers were able to move their account to a Neo credit card or combine the Tims Mastercard balance and credit limit with an existing Neo account.

Other cardholders were sent a replacement Neo Mastercard.

Customers who received a replacement card but did not complete a transfer may have a more limited account experience.

Neo says those accounts are managed through email statements and telephone support rather than through the Neo app or the Tim Hortons app.

What happens to the old card

The former Tims Mastercard may continue to work during the transition, but cardholders should activate any replacement Neo card they receive.

Once the replacement card is activated, the old card will stop working.

Neo says cardholders who did not move their account themselves may receive a Neo-branded replacement card.

That card can still be used for purchases, but account information, statements and support may be handled differently from a standard Neo account.

Customers should check their email statements and the instructions that arrive with the replacement card before making payments or updating recurring transactions.

Rewards points are no longer earned through the card

The end of the Tims Financial program also ends the card’s ability to earn Tims Rewards points.

Purchases made with the former card after the program ended do not generate new Tims Rewards points.

Existing points remain available in the Tim Hortons app and can still be redeemed after the credit card program ends.

Neo’s customer guidance says Tims Rewards points expire 12 months after the month in which they were earned.

That means former cardholders should review their Tims Rewards balance and use older points before they expire.

The credit card change does not eliminate points that were already posted to a customer’s rewards account.

Payments and outstanding balances continue

Ending the Tims Mastercard program does not erase an outstanding balance.

Customers must continue making at least the minimum payment by the due date until the account is paid in full or otherwise closed.

Neo says missed or late payments may lead to fees or be reported to credit-reporting agencies.

Pending purchases, refunds and other transactions are expected to be processed normally during the account transition.

Cardholders using a replacement Neo Mastercard may need to update bill-payment information with their bank.

Neo’s instructions say payments can be made through online bill payment using the relevant Neo account or card number, depending on the replacement arrangement.

Why Tim Hortons is leaving the credit card market

Tim Hortons has not announced a new co-branded credit card to replace the Tims Mastercard.

When the program was introduced, the company promoted the card as a way for customers to collect Tims Rewards points through everyday spending as well as purchases at Tim Hortons restaurants.

The company’s current loyalty strategy includes other partnerships and payment options.

Tim Hortons has expanded links between Tims Rewards and external rewards programs, including a partnership with Triangle Rewards, while continuing to offer points through its own app.

For customers, the practical result is that the Tims Mastercard is no longer a dedicated loyalty product.

Any replacement Neo card is a financial product managed by Neo, rather than a card integrated into the Tim Hortons app.

What former cardholders should do now

• Activate any replacement Neo Mastercard received by mail.
• Review email statements for the current balance, payment due date and account instructions.
• Update recurring payments linked to the old Tims Mastercard.
• Continue making payments on any outstanding balance.
• Check the Tim Hortons app for existing Tims Rewards points and their expiry dates.
• Contact Neo by phone if a replacement card has not arrived or account information is unclear.

Neo says former Tims Mastercard customers who need help with replacement cards, payments or balances can call 1-855-505-1964.

Customers should use contact details supplied by Neo or printed on their card and remain alert to unsolicited messages requesting financial information.

What comes next for Tim Hortons customers

Tim Hortons continues to operate its Tims Rewards program separately from the discontinued credit card program.

Customers can still collect and redeem points through eligible purchases and the Tim Hortons app, subject to the program’s current terms.

The company has not indicated that the end of Tims Financial will affect regular restaurant operations, app ordering or the broader Tims Rewards program.

For former cardholders, the most important deadline has already passed: October 1, 2026.

The remaining steps involve managing the transferred credit account, updating payment details where necessary and using existing rewards points before they expire.

Frequently Asked Questions

Fact-Checked: Key details were checked against Neo Financial’s official transition and post-program customer guidance.

Disclaimer: Credit-card customers should review their individual statements and card agreements because account instructions may vary by replacement-card arrangement.