Best Tangerine Credit Cards in Canada - September 2026

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TD First Class Travel^® Visa Infinite* Card

TD TD Rewards First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year; No annual fee the first year
Our valuation: $1,039Milesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 160,000 points; + First Year Annual Fee Rebate

With the TD First Class Travel^® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points^† as well as an Annual Fee rebate for the first year^†:

20,000 TD Rewards Points for the first purchase made with your card^†
140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening^†
A Birthday Bonus of up to 10,000 TD Rewards Points^†

Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

With the TD First Class Travel^® Visa Infinite* Card, you earn:

8 TD Rewards Points^† for every $1 you spend when you book travel through Expedia^® For TD^†
6 TD Rewards Points^† per dollar on your grocery, dining and public transit purchases
4 TD Rewards Points^† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
2 TD Rewards Points^† per dollar on all other purchases made with your card

This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year^†.

Legal

^†Terms and conditions apply.

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

6xGroceries
6xRestaurants
6xTransit
4xBills & recurring payments
4xStreaming
2xAll spending

Value

1st Year Value$1,406

2nd Year Value$531

Card benefits

Concierge service24/7

Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days

Travel medical (55-64)Up to $2,000,000 / 21 days

Travel medical (65+)Up to $2,000,000 / 4 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Auto Rental CollisionUp to $65,000 / 48 days

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Tangerine® Rewards World Elite Mastercard®*

Tangerine Scene+

Annual fee: $120
Our valuation: $300Milesopedia first-year estimate First-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 30,000 points; Ends Oct 30, 2026

Features
Issuer: Tangerine
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $120/yr
Additional card: $30
Min. annual income: $80,000+
Household income: $150,000+

Interest rates
Purchases: 20.95 %
Cash advance: 22.95 %
Balance transfer: 22.95 %
Foreign transaction fee: 2.5 %

Issuer terms

Earn up to $600* in value for the first year.

Earn a 30,000 Scene+^® Points Welcome Bonus with the Tangerine ^® Rewards World Elite^®* Mastercard^®*. Apply today and start earning up to $600 in value* from Day 1, including:

$300 value — 30,000 Scene+ points: Spend $3,000 on what you need in the first 3 months to earn a Welcome Bonus.*
$100 value — 10,000 Scene+ points: Get an Annual Lifestyle Credit by spending $30,000 in a year.*
$200 value — 4 complimentary lounge passes annually*: Gain airport lounge access with Dragonpasses when travelling.

Earn 1.5X Scene+ Points in 3 Accelerator Categories. Choose from 13 Categories and you can even switch them every 90 days.* Plus, get 1 Scene+ point per $1 spent on everything else.*

Total of 13 Reward Categories:

Grocery
Restaurants
Entertainment
Furniture
Gas
Home improvement
Hotels-motels
Public Transportation and Parking
Pharmacy
Recurring bill payments
Fitness and Sports Clubs
E-Games
Foreign currency spend

The Mastercard Collection — Globally connected access to premium dining, entertainment and travel benefits*

Unique Cirque du Soleil benefits
FUBO: Save $30 on a Sports Quarterly plan for your first quarter.*
H&R Block: Receive 30% off tax filing services*
FlexiRoam: Enjoy a complimentary 3GB Global Data Roaming Plan*

Transfer and save
During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.* Conditions Apply.

Spend confidently with the Tangerine^® Rewards World Elite Mastercard^®*. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty5 of up to $60,000 (lifetime maximum).

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Rewards: Rate
Groceries: 1.5x
Gas & EV: 1.5x
Bills & recurring payments: 1.5x

Benefits
Airport lounges: $200

Travel insurance: Coverage
Travel medical (under 55): ✓
Travel medical (55-64): ✓
Trip Cancellation: $2,000
Trip Interruption: ✓
Delayed Baggage: ✓
Lost Baggage: ✓
Flight Delay: ✓

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: ✓
Auto Rental Collision: 48 days

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Pros

Welcome bonus of up to 30,000 points

Cons

Requires good credit

If you are looking for a credit card that rewards generously from the start, the Tangerine Rewards World Elite Mastercard is for you.

This card offers an exceptional welcome bonus: get up to $600 in value in the first year*, including 30,000 Scene+ points when you spend $3,000 within the first 3 months*.

But that’s not all. During the year, you can get an additional $100 in Lifestyle credit by spending $30,000, as well as 4 complimentary airport lounge passes via DragonPass — a $200 value.

For earning, earn 1.5x more Scene+ points in 3 accelerated earning categories. Choose from 13 categories — groceries, restaurants, gas, pharmacy, home furnishings, and many more — and change them every 90 days according to your needs*. On all your other purchases, you earn 1 Scene+ point per dollar spent*…

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Tangerine® Money-Back World Mastercard®*

Tangerine Cash Back

Annual fee: $0
Our valuation: $100Milesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $100 cash back; Ends Sep 30, 2026

Features
Issuer: Tangerine
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: $50,000+
Household income: $80,000+

Interest rates
Purchases: 20.95 %
Cash advance: 22.95 %
Balance transfer: 22.95 %
Foreign transaction fee: 2.5 %

Issuer terms

Get $100 with a Tangerine^® Money-Back World Mastercard^®*.
Spend $1,500 in your first 3 months to enjoy this Bonus.^††
Get 2% unlimited cash back in 2 categories of your choice and 0.5% on all your other purchases.
Plus, unlock a third 2% category when your cash back is deposited into a Tangerine Savings Account.

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Rewards: Rate
Groceries: 2x
Gas & EV: 2x

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: ✓
Auto Rental Collision: 31 days

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Pros

No annual fee
Welcome bonus of up to $100
2x on groceries

Cons

Requires good credit

If you have an individual income of $60,000 or a household income of $80,000, you can choose the Tangerine^® Money-Back World Mastercard^®*.

This credit card has no annual fee and allows you to earn cash back on your everyday purchases. With the current offer, you can get $100 when you spend $1,500 within your first three months^††.

You get 2% unlimited cash back in 2 categories of your choice and 0.5% on all your other purchases. Plus, you can unlock a third 2% category when your cash back is deposited into a Tangerine Savings Account.

Choose from 13 spending categories (groceries, gas, restaurants, and more) and change them every 90 days to match your habits^◊…

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Tangerine Money-Back Credit Card

Tangerine Cash Back

Annual fee: $0
Our valuation: $100Milesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $100 cash back; Ends Sep 30, 2026

Features
Issuer: Tangerine
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Additional card: $0
Min. annual income: $12,000+
Household income: $12,000+

Interest rates
Purchases: 20.95 %
Cash advance: 22.95 %
Balance transfer: 22.95 %
Foreign transaction fee: 2.5 %

Issuer terms

Apply for the Tangerine Money-Back Credit Card and receive an additional 10% cash back* (up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.
Benefit from a promotional interest rate of 1.95% on balance transfers for 6 months.
Earn 2% cash back on purchases in 2 categories of your choice and 0.5% cash back on all other regular purchases.
Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category.
Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.
There’s no limit to the cash back you can earn on your regular purchases.
Purchase protection and Extended Warranty

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Rewards: Rate
Gas & EV: 2x
Groceries: 2x

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year

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Pros

No annual fee
Welcome bonus of up to $100
2x on groceries

Cons

Requires good credit

The Tangerine Money-Back Credit Card has no annual fee and offers cash back.

With this limited-time welcome offer, you can earn an additional 10% cash back (up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.

You can choose two to three purchase categories that interest you (groceries, gas, home furnishings, renovations, recurring bills, pharmacy, etc.) to earn 2% cash back ! And there’s no annual cash-back limit. It is one of the best credit cards for renovations.

In addition, the Tangerine Mastercard offers several insurance coverages for your purchases …

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Tangerine Credit Cards

Tangerine offers two credit cards, both with no annual fee and customizable cash back categories. Their unique model lets you choose 2-3 categories where you earn 2% cash back (groceries, gas, restaurants, etc.) with 0.5% on everything else.

Money-Back vs World

The Tangerine Money-Back Mastercard is the no-fee standard option with 2 categories at 2%. The World Mastercard adds a third 2% category and includes purchase protection and extended warranty. Both are excellent no-fee options.

FAQ

Frequently Asked Questions

What categories can I choose with Tangerine?

You can choose from groceries, gas, restaurants, recurring bills, entertainment, drug stores, public transit, home improvement, hotel/motel, and furniture.

Is the Tangerine World Mastercard worth it?

Yes. It’s free and adds a third 2% category plus insurance benefits over the standard Money-Back card. There’s no reason not to upgrade if eligible.

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Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Tangerine Credit Cards

Money-Back vs World

Frequently Asked Questions

What categories can I choose with Tangerine?

Is the Tangerine World Mastercard worth it?

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