Tim Hortons MCC Code & Best Credit Cards (2026)

What is Tim Hortons's MCC Code?

Tim Hortons uses MCC 5814 (Fast Food Restaurants). This Merchant Category Code is used by credit card networks to classify transactions at Tim Hortons.

When you use your credit card at Tim Hortons, the transaction is tagged with MCC 5814. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.

Best Credit Cards for Tim Hortons

UOB Preferred Platinum Visa

4 MPD

Included in whitelist and not excluded

Cap: Cap at $600 a month per spend type

Citibank Rewards MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month

Note: Online spend only - excludes travel-related MCCs (3000-3999 range)

Woman's World MasterCard

4 MPD

Not excluded

Cap: Cap at $1,000 a month

Note: Online spend only

UOB Visa Signature

4 MPD

Not excluded

Cap: Must spend between $1,000 to $1,200 via contactless and $1,000 to $1,200 for FCY

Note: On Site: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200

UOB Lady's Card

4 MPD

Eligible under Dining category

Cap: Cap at $1,000 per calendar month per bonus category

Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.

UOB Lady's Solitaire

4 MPD

Eligible under Dining category

Cap: Cap at $750 per calendar month per bonus category

Note: Must select 2 bonus categories: Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, or Travel. Earn 1X UNI$ for every $5 spent on all other eligible categories.

Cards That Don't Earn Bonus

These cards earn base rewards (1 MPD) at Tim Hortons:

✗HSBC Revolution

✗OCBC Rewards

Tips for Maximizing Rewards at Tim Hortons

Use the card with the highest bonus rate for MCC 5814
Track monthly caps to avoid missing out on bonus rewards
Check if contactless vs inserted card affects your rewards rate
Verify the MCC before making large purchases to ensure bonus eligibility
Consider having multiple cards to maximize rewards across different spending categories