20 cards ranked
Best credit card to use at Tim Hortons.
Dining
Tim Hortons is the Canadian coffee and donut institution owned by Restaurant Brands International (the same parent as Burger King and Popeyes), with roughly 4,000 Canadian stores plus a smaller US footprint of about 600 locations. Beyond brewed coffee and Timbits, the menu now spans breakfast sandwiches, soups, and lunch wraps. Tim Hortons purchases code as dining/restaurants on US-issued cards, so cards offering elevated dining rewards (Amex Gold 4x, Chase Sapphire Preferred 3x, Capital One SavorOne 3%) all earn at the full multiplier.
- #1Citi Custom Cashif it’s your top categoryCiti5% on dining if it's your top eligible spend category that cycle (up to $500/month, then 1%)Automatically on your top eligible spend category each billing cycle5%
- #2Discover it Cash Backthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3Discover it for Studentsthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #4NHL Discover itthis quarterDiscover5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #55%
- #6American Express Business Goldif it’s your top categoryAmerican Express4x points on dining if it's your top eligible spend category that cycle (up to $150,000/year, then 1%)Automatically on your top 2 spending categories each billing cycle from 6 eligible (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap4.8%4x points
- #74.8%4x points
- #8American Express4x points on diningRestaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)4.8%4x points
- #9Bilt Obsidianif you select itBilt3x points on dining if you select it as a bonus category (up to $25,000/year, then 1%)Choose dining (default) or groceries as your 3x category annually (cap applies when groceries is selected)4.5%3x points
- #10Bilt3x points on dining (up to $25,000/year, then 1%)Choose dining or groceries as the 3x category4.5%3x points
- #114.0%4x points
- #124.0%2x points
- #134.0%2x points
- #143.8%3x points
- #153.8%3x points
- #163.6%3x points
- #173.6%3x points
- #183.5%7x points
- #193%
- #203.0%3x points
Last updated May 17, 2026