That 5% CT Money at Tim Hortons is really 2% for most people.
Linking Triangle Rewards and Tims Rewards earns a base 2% in CT Money when you scan your Tims barcode, no Triangle card required. A Triangle credit card adds another 2% calculated on the after-tax total, and Scan & Pay inside the Tims app adds a final 1% for the full 5% stack. CT Money earned here only redeems at Canadian Tire banners, and catering orders, Smile Cookies, bottled drinks, and merchandise are excluded from the pre-tax tiers. For most people the better move is to link accounts and pay with a dining card like the Amex Cobalt rather than chase the extra 3% in retailer-locked currency.
the play
Link your Triangle and Tims Rewards accounts, scan your barcode, and pay with the card that earns the most on dining instead of a Triangle card.
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source signal
This drop was reframed from a real reader question asked around the web. Written with the assistance of a language model in the voice of Vanessa Bloome.
