Earn 1% Tim Cash on all purchases1

Redeem it instantly2 at Tim Hortons for your favourite goodies

Free Tims treats just for being a cardholder

Get free3 featured products every weekend7
new product trials and complimentary coffee and Timbits® to celebrate your birthday8


No annual fee
$0
Each additional card (up to 3): $0

Interest rate
RDS%rate[2].VSTIM.Published(null,null,6,null)(#O2#)% for purchases4
RDS%rate[2].VSTIM.Published(null,null,3,null)(#O2#)% for cash4


Get a free SPC membership with this credit card

Save instantly when you shop at over 450 partner brands in-store and online. Pay no membership fee as a CIBC client with an eligible student product.

Learn moreabout this offer.

More to love about this card

A person's cheque

Pay how you want

Lighten your wallet with dual card technology — it’s both a CIBC Visa* credit card and a TimCard® 

A jar of collected coins
Earn maximum rewards

No limit to how much Tim Cash you can collect and redeem

Tim Hortons coffee and a donut

Redeem Tim Cash

No saving up for ages to get rewards — collect and redeem Tim Cash often and instantly2

Couple talking as they relax on couch

CIBC Pace It™

Some purchases can't wait. CIBC Pace It helps you manage your finances with Installment Plans on your credit card at lower interest rates. Start paying for the big things that matter at a pace you choose.

Learn moreabout CIBC Pace It.

Valuable insurance included with your card

Purchase Security and Extended Protection Insurance 5

Optional insurance for your card

CIBC Travel Insurance
Shield with credit card
CIBC Payment Protector™ Insurance for Credit Cards6

Not the right card for you?

Here's another that could suit you better.