Tangerine Money-Back World Mastercard
Annual fee
$0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$120Total$120Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$120
Welcome offerAfter $1,500 in 3 months
$120 cash back
Ends Nov 30, 2026
Apply Now

on Tangerine's website

Features
Issuer
Tangerine
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$0
Additional card
$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 $120 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.
Read full review
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
Read full review

Pros

  • No annual fee
  • Welcome bonus of $120
  • 2x on groceries

Cons

  • Requires good credit

To choose the Tangerine® Money-Back World Mastercard®*, you must meet one of the following criteria: a gross annual income of at least $50,000, a gross annual household income of at least $80,000, or combined balances of $250,000 or more in Tangerine bank accounts, Tangerine Investment Funds accounts, or a combination of the two.

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 $120 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
Annual fee
$0
Our valuationMilesopedia 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.
$100
Welcome offerAfter $1,000 in 2 months
Up to $100 cash back
Ends Nov 30, 2026
Apply Now

on Tangerine's website

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
Read full review
Rewards
Rate
Gas & EV
2x
Groceries
2x
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Read full review

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 Rewards World Elite Mastercard
Annual fee
$120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$500
Welcome offerAfter $5,000 in 3 months
Up to 50,000 points
Ends Jan 31, 2027
Apply Now

on Tangerine's website

Features
Issuer
Tangerine
Network
Loyalty Program
Scene+
Fees and terms
Annual Fee
$120/yr
Additional card
$0
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

Get up to $1,220* in value, plus fuel savings with participating Shell stations, in your first year.

Earn a 50,000 Scene+® points Welcome Bonus with the Tangerine® Rewards World Elite Mastercard®*. Apply by January 31, 2027 and start earning up to $1,220 in value* in your first year, including:

  • $500 value — 50,000 Scene+ points: Spend $5,000 in Net Purchases in the first 3 months to earn the Welcome Bonus.*
  • $100 value — 10,000 Scene+ points: Get the Annual Spend Reward by spending $30,000 in Net Purchases in a year.*
  • $291 value — airport lounge access: Complimentary DragonPass membership through Mastercard Travel Pass, with 4 complimentary lounge visits annually.*
  • $330 value — first-year points earned: Estimated 33,000 Scene+ points on $30,000 in annual Net Purchases, including $6,000 in 1.5x accelerator categories and $24,000 in all other categories.*

Earn 1.5 Scene+ points per $1 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, with no earning limit.*

Total of 13 Reward Categories:

  • Grocery
  • Restaurants
  • Gas
  • Public Transportation and Parking
  • Entertainment
  • Furniture
  • Home Improvement
  • Hotel-Motel
  • Drug Store
  • Recurring Bill Payments
  • E-Games
  • Fitness and Sports Clubs
  • Foreign Currency Spend

Save on fuel with Shell
Link your card to Shell Go+ in the Tangerine mobile app or on the Tangerine website to unlock up to 10¢/L in value at participating Shell stations: instant savings of 3¢/L on any grade of Shell fuel, an additional 4¢/L instant savings on Shell V-Power® fuel, and up to 3¢/L in Scene+ points value on Shell V-Power® fuel.*

Premium protection and perks
Travel insurance, mobile device insurance and Event Ticket Protection*, plus exclusive access to The Mastercard Collection.*

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 Warranty* 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
$291
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
Read full review

Pros

  • Welcome bonus of up to 50,000 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.

New cardholders can get up to $1,220 in value in the first year*, plus fuel savings at participating Shell stations. This value includes:

  • 50,000 Scene+ points ($500 value) when you spend $5,000 in Net Purchases within the first 3 months*
  • 10,000 Scene+ points ($100 value) with the Annual Spend Reward when you spend $30,000 in Net Purchases in a year*
  • $291 in airport lounge value each year: complimentary DragonPass membership through Mastercard Travel Pass, with 4 complimentary lounge visits per year*
  • About $330 in points earned in the first year: an estimated 33,000 Scene+ points on $30,000 in annual purchases, including $6,000 in accelerated categories*

Apply by January 31, 2027 to take advantage of this offer…

Read full review

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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