Does Tim Hortons Take Visa And Mastercard? (Fees, Mobile Payments + More)

If you’re looking to eat at a Tim Hortons, but you want to pay with a debit or credit card, you might want to know: does Tim Hortons take Visa and Mastercard?

If so, keep reading to learn all you need to know about Tim Hortons and whether it accepts Visa and Mastercard! 

Does Tim Hortons Take Visa & Mastercard In 2024?

Tim Hortons does accept both Visa and Mastercard debit and credit cards at its restaurant locations in 2024. Tim Hortons notably did not accept credit or debit cards for many years. However, mutual agreements between Tim Hortons and card companies like Visa and Mastercard have made credit and debit card transactions possible at its restaurants.

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

Does Tim Hortons Accept Mastercard?

Yes, Tim Hortons does accept Mastercard credit and debit cards at its locations throughout Canada and the United States.

Does Tim Hortons Accept Visa?

Yes, Tim Hortons does accept Visa credit and debit cards at its locations throughout Canada and the United States.

When Did Tim Hortons Begin Accepting Visa and Mastercard?

Mastercard was actually the first card that Tim Hortons accepted which was in 2010. In contrast, Visa followed shortly after, and Tim Hortons began accepting Visa in 2012.

Does Tim Hortons Charge A Fee To Use Visa & Mastercard?

No, Tim Hortons does not charge a fee to use any card such as Visa and Mastercard. However, some franchises may discourage their use or have a minimum purchase amount.

Can You Reload A Tim Hortons Card With A Visa Or Mastercard?

You can use a credit card or debit card to reload your Tim Hortons card online, through the app, or in a restaurant.

Does Tim Hortons Accept Mobile Payments?

Does Tim Hortons Accept Mobile Payments?

Yes, Tim Hortons accepts mobile payment methods such as Mastercard’s Paypass. Also, you can pay and order remotely by using the Tim Hortons app.

Does Tim Hortons Mobile Ordering Accept Visa & Mastercard?

Yes, Tim Hortons does offer mobile ordering through its app, which accepts Visa and Mastercard.

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 your Tims Rewards.

Does Tim Hortons Have A Minimum Purchase When Paying with Visa Or Mastercard? 

No, Tim Hortons does not have an official minimum purchase amount when paying with Visa, Mastercard, or any other form of payment.

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

Why Is It Important Tim Hortons Accepts Visa & Mastercard?

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

That said, today, more consumers than ever are paying with cards, and many no longer carry cash.

Why Didn’t Tim Hortons Accept Visa & Mastercard?

Tim Hortons surprisingly claimed that accepting credit and debit cards as payment methods would slow down its transactions.

However, a more likely answer is that the restaurant did not want card processing fees eating into its profit margin, particularly because Tim Hortons sells low-priced items.

To learn more, you can also read our posts on whether or not Tim Hortons takes Apple Pay, if Tim Hortons takes Amex, and does Tim Hortons deliver.


Tim Hortons does accept credit and debit cards issued by both Visa and Mastercard.

Also, while these cards should be accepted at all locations, you may find one where the franchise either does not accept them or have a minimum purchase price.

Further, this is a significant departure from Tim Hortons’ longstanding policy of not accepting debit and credit cards and only accepting cash.

However, more consumers are choosing to avoid using cash, and Tim Hortons is trying to keep up with the change.

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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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