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 weekend4, new product trials and complimentary coffee and Timbits® to celebrate your birthday5

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

Interest rate
RDSRDS%rate[2].VPARO.rate(null,null,6,null)(#R#)% for purchases6
RDSRDS%rate[2].VPARO.rate(null,null,3,null)(#R#)% for cash6

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

Tim Hortons cup and smartphone
Pay how you want
Lighten your wallet with dual card technology — it’s both a CIBC Visa* credit card and a TimCard®
Coffee and donut
Redeem Tim Cash
No saving up for ages to get rewards — collect and redeem Tim Cash often and instantly2
Couple sitting on the floor looking at paint samples

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 Insurance7

Optional insurance for your card

Shield with credit card
CIBC Payment Protector™ Insurance for Credit Cards8