Does Tim Hortons Take Amex? (Fees, Mobile Ordering + More)

If you’re looking to eat at a Tim Hortons but have an Amex card, you might want to know: does Tim Hortons take Amex?

If so, keep reading to learn all you need to know about Tim Hortons and whether it accepts Amex credit cards! 

Does Tim Hortons Take Amex In [currentyear]?

Tim Hortons does accept Amex at its restaurant locations as of [currentyear]. Some of the question as to whether or not Tim Hortons takes Amex goes back a few years to a time when it did not accept Amex. A new deal between the two companies ensures that you can use your Amex card at Tim Hortons.

Do you want to know more about whether Tim Hortons accepts Amex and other forms of payment that the restaurant accepts? If so, read on to learn what I’ve found out! 

Do All Tim Hortons Accept Amex?

Tim Hortons does accept American Express cards at its restaurants. However, while this is great news for customers with Amex cards, you should know that not all locations may take it.

That said, there is a chance that some franchise locations do not accept Amex or discourage its use, which is why some cashiers may tell you the company does not accept them.

When Did Tim Hortons Begin Accepting Amex?

Many Tim Hortons locations have accepted Amex for years, but a new deal struck in July of 2013 brought sought to bring Amex acceptance to all locations.

Does Tim Hortons Charge A Fee To Use Amex?

Tim Hortons does not charge a fee to use an Amex card. However, there is a chance that your local Tim Hortons may try to charge a fee to dissuade you from using it.

Can You Reload A Tim Hortons Card With Amex?

Tim Hortons states that you can use your Amex card to reload a Tim Hortons card in addition to paying for your meal.

Does Tim Hortons Accept Mobile Payments With Amex?

Tim Hortons accepts mobile payment methods such as Mastercard’s Paypass.

Also, you can pay with Amex when using mobile payment systems such as Apple and Samsung Pay at Tim Hortons.

Does Tim Hortons Accept Amex With Mobile Ordering?

Does Tim Hortons Accept Amex With Mobile Ordering?

Tim Hortons does offer mobile ordering through its app, and Amex is accepted when mobile ordering.

However, you will need to create an account if you don’t already have one, and then you will be able to place orders and track rewards.

Does Tim Hortons Have A Minimum Purchase For Amex? 

Tim Hortons does not have an official minimum purchase amount for Amex or any other payment options.

However, some franchise locations may enact a minimum, typically around $5.

Why Is It Important That Tim Hortons Accepts Amex?

It is important that Tim Hortons, or any business, accept the payment method that customers wish to use.

For example, if someone comes in and only has an Amex card, then Tim Hortons would not be able to serve them and would lose a customer.

Why Didn’t Tim Hortons Accept Amex?

Some places, including Tim Hortons, chose not to accept American Express cards because of the fee to process them.

For example, Amex is notorious for charging more than other credit card processors, with fees that go up to 5%.

As you can imagine, this can greatly affect a business’s bottom line if they are not prepared.

To learn more, you can also read our posts on why is Tim Hortons so popular in Canada, is Tim Hortons a franchise, and how to redeem Tim Hortons points.


Tim Hortons accepts American Express cards and Visa and Mastercard debit and credit cards.

That said, this is a staunch change from Tim Hortons’ previous stance of not accepting any debit or credit cards.

However, this is a positive change for customers, as the addition of mobile payments and ordering continue to give customers new and easier ways to get their foods at Tim Hortons.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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