Merchants • Restaurants

Best Credit Cards for Tim Hortons

Among the cards CardTruth has reviewed, the American Express Cobalt Card earns the most at Tim Hortons: 5x points, worth ≈10% of what you spend. Compare the top two →

Cards accepted

In store
Visa, Mastercard and American Express
Online
Visa, Mastercard and American Express

How purchases code (MCC)

  • 5814Fast food restaurantsCommonly reported

    Quick-service restaurants and coffee shops code as fast food (5814). Cards with a dining rate normally include it; orders through a delivery app code as the app instead.

A purchase's code is set by the merchant's payment processor and card network, not by your card, and it can differ by location, network and over time (American Express classifies merchants itself). Your statement shows how a purchase actually coded. Last verified October 2026.

Personal cards accepted in store

  1. Amex CobaltCategory match · Spending cap applies
    ≈10%5x points
  2. Scotia Gold AmexCategory match · Spending cap applies
    ≈5%5x points
  3. Amex Aeroplan ReserveCategory match
    ≈4%2x points
  4. Amex PlatinumCategory match
    ≈4%2x points
  5. BMO eclipse Visa InfiniteCategory match · Spending cap applies
    ≈3.35%5x points
Show all 80 personal cardsShow fewer
  1. BMO eclipse Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈3.35%5x points
  2. Amex Aeroplan CardCategory match
    ≈3%1.5x points
  3. BMO VIPorter World EliteCategory match · Spending cap applies
    ≈3%2x points
  4. CIBC Aeroplan Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈3%1.5x points
  5. CIBC Costco MastercardCategory match
    3%3% back
  6. RBC British AirwaysCategory match
    ≈3%2x points
  7. RBC Cash Back PreferredCategory match
    3%3% back
  8. TD Aeroplan PrivilegeBy merchant code · Spending cap applies
    ≈3%1.5x points
  9. TD First Class TravelCategory match · Spending cap applies
    ≈3%6x points
  10. RBC Avion PrivilegeBase rate
    ≈2.25%1.25x points
  11. TD Platinum TravelCategory match · Spending cap applies
    ≈2.25%4.5x points
  12. RBC ION+Category match
    ≈2.13%3x points
  13. BMO Ascend World EliteCategory match · Spending cap applies
    ≈2.01%3x points
  14. Amex GoldBase rate
    ≈2%1x points
  15. Amex GreenBase rate
    ≈2%1x points
  16. CIBC Aeroplan Visa InfiniteBase rate
    ≈2%1x points
  17. CIBC Aventura Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈2%2x points
  18. CIBC Dividend Platinum VisaCategory match · Spending cap applies
    2%2% back
  19. CIBC Dividend Visa InfiniteCategory match · Spending cap applies
    2%2% back
  20. Scotiabank AmexCategory match · Spending cap applies
    ≈2%2x points
  21. Scotiabank Amex (Student)Category match · Spending cap applies
    ≈2%2x points
  22. Scotia Passport PrivilegeCategory match
    ≈2%2x points
  23. Scotia Passport Infinite+Category match · Spending cap applies
    ≈2%2x points
  24. Scotia Platinum AmexBase rate
    ≈2%2x points
  25. Amex SimplyCash PreferredBase rate
    2%2% back
  26. TD Aeroplan InfiniteBase rate
    ≈2%1x points
  27. WS Visa Infinite+Base rate
    2%2% back
  28. WS Visa Infinite PrivilegeBase rate
    2%2% back
  29. Marriott Bonvoy AmexBase rate
    ≈1.8%2x points
  30. RBC Avion InfiniteBase rate
    ≈1.8%1x points
  31. RBC Avion PlatinumBase rate
    ≈1.8%1x points
  32. BMO eclipse rise VisaCategory match · Spending cap applies
    ≈1.68%2.5x points
  33. moi RBC VisaCategory match
    ≈1.6%2x points
  34. BMO VIPorter MastercardCategory match · Spending cap applies
    ≈1.5%1x points
  35. TD Rewards VisaCategory match · Spending cap applies
    ≈1.5%3x points
  36. WestJet RBC MCCategory match
    ≈1.5%1.5x points
  37. WestJet World EliteBase rate
    ≈1.5%1.5x points
  38. CIBC Aeroplan VisaBase rate
    ≈1.34%0.67x points
  39. CIBC Aeroplan Visa (Student)Base rate
    ≈1.34%0.67x points
  40. TD Aeroplan PlatinumBase rate
    ≈1.34%0.67x points
  41. Amex SimplyCashBase rate
    1.25%1.25% back
  42. More Rewards InfiniteCategory match
    ≈1.2%8x points
  43. BMO CashBack World EliteBase rate
    1%1% back
  44. CIBC Aventura Gold VisaBase rate
    ≈1%1x points
  45. CIBC Aventura Visa InfiniteBase rate
    ≈1%1x points
  46. CIBC Dividend VisaCategory match · Spending cap applies
    1%1% back
  47. CIBC Dividend Visa (Student)Category match · Spending cap applies
    1%1% back
  48. PC Insiders World Elite MastercardBase rate
    1%1% back
  49. PC MastercardBase rate
    1%1% back
  50. PC World Elite MastercardBase rate
    1%1% back
  51. PC World MastercardBase rate
    1%1% back
  52. Momentum VisaBase rate
    1%1% back
  53. Momentum Visa (Student)Base rate
    1%1% back
  54. Momentum Infinite+Base rate
    1%1% back
  55. Scotia Scene+ VisaBase rate
    ≈1%1x points
  56. Scotia Scene+ Visa (Student)Base rate
    ≈1%1x points
  57. ScotiaGold PassportBase rate
    ≈1%1x points
  58. TD Cash Back InfiniteBase rate
    1%1% back
  59. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  60. CIBC Adapta Mastercard (Student)Base rate
    ≈0.83%1x points
  61. More Rewards VisaCategory match
    ≈0.75%5x points
  62. RBC IONBase rate
    ≈0.71%1x points
  63. RBC U.S. Dollar GoldBase rate
    ≈0.71%1x points
  64. BMO Blue Rewards World EliteBase rate
    ≈0.67%1x points
  65. BMO CashBack MastercardBase rate
    0.5%0.5% back
  66. CIBC Aventura VisaBase rate
    ≈0.5%0.5x points
  67. CIBC Aventura Visa (Student)Base rate
    ≈0.5%0.5x points
  68. CIBC USD Aventura Gold VisaBase rate
    ≈0.5%0.5x points
  69. RBC Cash Back MCBase rate
    0.5%0.5% back
  70. Momentum MastercardBase rate
    0.5%0.5% back
  71. Momentum No-Fee VisaBase rate
    0.5%0.5% back
  72. Momentum No-Fee (Student)Base rate
    0.5%0.5% back
  73. BMO CashBack Mastercard (Student)Base rate
    0.5%0.5% back
  74. TD Cash Back VisaBase rate
    0.5%0.5% back
  75. BMO Blue Rewards MastercardBase rate
    ≈0.34%0.5x points

Business cards

  1. Marriott Bonvoy Business AmexCategory match
    ≈2.7%3x points
  2. Amex Aeroplan Business ReserveBase rate
    ≈2.5%1.25x points
  3. Amex Business PlatinumBase rate
    ≈2.5%1.25x points
Show all 4 business cardsShow fewer
  1. Amex Business Gold RewardsBase rate
    ≈2%1x points

Values are cash-back equivalents: percentage rates as stated, and points at CardTruth's estimated point value (each teardown's Points & Redemption section explains it). Rates come from each card's terms; welcome offers aren't included. Confirm current rates with the issuer before you rely on them.