The Tim Hortons Mastercard is shutting down: what cardholders must do before October 1

If you carry the Tim Hortons Mastercard, this one is for you. Tim Hortons is ending its credit card program on October 1, 2026, and the change touches an estimated 6 million Tims Rewards members. Here is what is happening and the decision you need to make before the deadline.

What is ending

After October 1, the Tims Mastercard stops earning Tim Hortons points. The card was issued by Neo Financial as a co-branded product, and that partnership is winding down. Importantly, this is the second Neo loyalty co-brand to end in roughly a year, which says something about how fragile single-brand co-branded cards can be.

Your options

Neo is offering existing Tims cardholders a path that avoids the usual friction:

• Move to a Neo World Mastercard with no reapplication and no new credit check. That is the smooth option if you want to keep a Neo card and avoid a fresh hard inquiry on your credit report.
• Switch to a different card entirely if a co-branded coffee card was never really earning its place in your wallet.

Before you default to the automatic move, take a minute to compare. Neo recently split its World Mastercard lineup into three configurations and raised the World Elite annual fee, so the card you roll into may not be the card you remember.

The bigger lesson

Co-branded cards live and die with the partnership behind them. When the brand and the issuer part ways, the rewards engine can switch off on a fixed date, as it is doing here. A flexible rewards card that you control is harder to strand. If you want to think that through, our guide on co-branded versus flexible points walks through the trade-off.

Confirm the exact process and timing with Neo before doing anything, since program terms can change. Nothing here is financial advice.