Tangerine Money-Back Credit Card vs Tangerine® Money-Back World Mastercard®*

A field-by-field comparison of Tangerine Money-Back Credit Card and Tangerine® Money-Back World Mastercard®*, built from the same card data that powers our comparison tools. Every figure below traces back to a data field — nothing here is an editorial estimate.

Tangerine Money-Back Credit Card

Tangerine

Annual fee: $0
Foreign fee: 2.5%

Annual fee: $0
Base Rewards Rate: 0.5%
Welcome bonus: $100

Apply Now Full review

Applications are submitted to Tangerine

Tangerine® Money-Back World Mastercard®*

Tangerine

Annual fee: $0
Foreign fee: 2.5%

Annual fee: $0
Base Rewards Rate: 0.5%
Welcome bonus: $120

Apply Now Full review

Applications are submitted to Tangerine

Key features at a glance

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Issuer	Tangerine	Tangerine
Network
Program	Cash Back	Cash Back
Point default value	1¢/point (cash back)	1¢/point (cash back)
Annual fee	$0	$0
Foreign transaction fee	2.5%	2.5%
Min. annual income	$12,000+	$50,000+
All purchases	0.5x	0.5x
Groceries	2x	2x
Gas	2x	2x
Purchase interest rate	20.95%	20.95%

The short answer

Tangerine Money-Back Credit Card Tangerine® Money-Back World Mastercard®*

Year oneTangerine Money-Back Credit Card wins 0 of 6 profiles, Tangerine® Money-Back World Mastercard®* wins 0, and 6 are too close to call.Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Every year afterTangerine Money-Back Credit Card wins 0 of 6 profiles, Tangerine® Money-Back World Mastercard®* wins 0, and 6 are too close to call.The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

Tangerine® Money-Back World Mastercard®* asks for a household income of $80,000 — $68,000 more than Tangerine Money-Back Credit Card at $12,000.
Tangerine® Money-Back World Mastercard®* asks for a personal income of $50,000 — $38,000 more than Tangerine Money-Back Credit Card at $12,000.
Tangerine® Money-Back World Mastercard®* opens DragonPass; Tangerine Money-Back Credit Card grants no lounge access.

Open both in the full comparison tool

Where each card wins

Tangerine Money-Back Credit Card

In its favour

Tangerine Money-Back Credit Card unlocks its bonus after $1,000 of spending over 2 months, $500 less than Tangerine® Money-Back World Mastercard®* at $1,500 over 3 months.

Against it

No material difference in this card's favour was found in the data we compare.

Tangerine® Money-Back World Mastercard®*

In its favour

Tangerine® Money-Back World Mastercard®* opens DragonPass; Tangerine Money-Back Credit Card grants no lounge access.
Tangerine® Money-Back World Mastercard®* includes Car rental and Mobile device, which Tangerine Money-Back Credit Card does not.

Against it

Tangerine® Money-Back World Mastercard®* asks for a household income of $80,000 — $68,000 more than Tangerine Money-Back Credit Card at $12,000.
Tangerine® Money-Back World Mastercard®* asks for a personal income of $50,000 — $38,000 more than Tangerine Money-Back Credit Card at $12,000.

Welcome offer

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Welcome bonusNot comparable in the same units	Up to $100	$120
Our valuationDepends on how you spend	$100	$120

Income required

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Min. annual income	$12,000+	$50,000+
Min. household income	$12,000+	$80,000+

Earning rewards

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Groceries	2x	2x
Restaurants	0.5x	0.5x
Gas	2x	2x
Local transit	0.5x	0.5x
Travel	0.5x	0.5x
Pharmacies	0.5x	0.5x
Convenience stores	0.5x	0.5x
Streaming	0.5x	0.5x
Telecom	0.5x	0.5x
Entertainment	0.5x	0.5x
Recurring payments	0.5x	0.5x
Online purchases	0.5x	0.5x
Office supplies	0.5x	0.5x
All purchases	0.5x	0.5x

Benefits

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Airport lounge access	✗	DragonPassMembership only
Priority boarding	✗	✗
Wi-Fi access	✗	✗

Annual fee and rates

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Annual fee	$0	$0
Additional card	$0	$0
Foreign transaction fee	2.5%	2.5%
Purchase interest rate	20.95%	20.95%
Purchase rate (Quebec)	20.95%	20.95%
Cash advance rate	22.95%	22.95%

Insurance

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Car rental	—	✓Better on this row

Card details

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Network
Issuer	Tangerine	Tangerine

Which one wins, by spending profile

Grocery-heavy household

A family basket weighted towards groceries and everyday spending.

Assumes $54,000 of card spending a year

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$540	$540
Annual fee	$0	$0
Welcome bonus	$100	$120
Net value	$640	$660

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$540	$540
Annual fee	$0	$0
Net value	$540	$540

Show the per-category math

Per-category earnings
Category	Spending	Tangerine Money-Back Credit Card		Tangerine® Money-Back World Mastercard®*
Category	Spending	Rate	Value	Rate	Value
Groceries	$13,800	2%	$276	2%	$276
Gas & EV	$4,200	2%	$84	2%	$84
Transit	$2,700	0.5%base rate	$13.50	0.5%base rate	$13.50
Restaurants	$4,800	0.5%base rate	$24	0.5%base rate	$24
Pharmacy	$900	0.5%base rate	$4.50	0.5%base rate	$4.50
Travel	$1,500	0.5%base rate	$7.50	0.5%base rate	$7.50
Bills & recurring payments	$5,100	0.5%base rate	$25.50	0.5%base rate	$25.50
Telecom	$4,800	0.5%base rate	$24	0.5%base rate	$24
Entertainment & streaming	$4,200	0.5%base rate	$21	0.5%base rate	$21
Office supplies	$0	0.5%base rate	$0	0.5%base rate	$0
Online advertising	$0	0.5%base rate	$0	0.5%base rate	$0
Other	$12,000	0.5%base rate	$60	0.5%base rate	$60

Light spender

A modest basket where an annual fee weighs heavily.

Assumes $21,000 of card spending a year

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$204	$204
Annual fee	$0	$0
Welcome bonus	$100	$120
Net value	$304	$324

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$204	$204
Annual fee	$0	$0
Net value	$204	$204

Show the per-category math

Per-category earnings
Category	Spending	Tangerine Money-Back Credit Card		Tangerine® Money-Back World Mastercard®*
Category	Spending	Rate	Value	Rate	Value
Groceries	$4,800	2%	$96	2%	$96
Gas & EV	$1,800	2%	$36	2%	$36
Transit	$900	0.5%base rate	$4.50	0.5%base rate	$4.50
Restaurants	$2,100	0.5%base rate	$10.50	0.5%base rate	$10.50
Pharmacy	$600	0.5%base rate	$3	0.5%base rate	$3
Travel	$600	0.5%base rate	$3	0.5%base rate	$3
Bills & recurring payments	$2,100	0.5%base rate	$10.50	0.5%base rate	$10.50
Telecom	$2,400	0.5%base rate	$12	0.5%base rate	$12
Entertainment & streaming	$1,500	0.5%base rate	$7.50	0.5%base rate	$7.50
Office supplies	$0	0.5%base rate	$0	0.5%base rate	$0
Online advertising	$0	0.5%base rate	$0	0.5%base rate	$0
Other	$4,200	0.5%base rate	$21	0.5%base rate	$21

Everyday couple

A balanced two-person basket across groceries, dining and bills.

Assumes $36,000 of card spending a year

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$351	$351
Annual fee	$0	$0
Welcome bonus	$100	$120
Net value	$451	$471

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$351	$351
Annual fee	$0	$0
Net value	$351	$351

Show the per-category math

Per-category earnings
Category	Spending	Tangerine Money-Back Credit Card		Tangerine® Money-Back World Mastercard®*
Category	Spending	Rate	Value	Rate	Value
Groceries	$9,000	2%	$180	2%	$180
Gas & EV	$2,400	2%	$48	2%	$48
Transit	$1,800	0.5%base rate	$9	0.5%base rate	$9
Restaurants	$3,600	0.5%base rate	$18	0.5%base rate	$18
Pharmacy	$600	0.5%base rate	$3	0.5%base rate	$3
Travel	$1,200	0.5%base rate	$6	0.5%base rate	$6
Bills & recurring payments	$3,000	0.5%base rate	$15	0.5%base rate	$15
Telecom	$3,600	0.5%base rate	$18	0.5%base rate	$18
Entertainment & streaming	$3,600	0.5%base rate	$18	0.5%base rate	$18
Office supplies	$0	0.5%base rate	$0	0.5%base rate	$0
Online advertising	$0	0.5%base rate	$0	0.5%base rate	$0
Other	$7,200	0.5%base rate	$36	0.5%base rate	$36

Retiree

A basket tilted towards groceries, pharmacy and travel.

Assumes $27,000 of card spending a year

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$274.50	$274.50
Annual fee	$0	$0
Welcome bonus	$100	$120
Net value	$374.50	$394.50

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$274.50	$274.50
Annual fee	$0	$0
Net value	$274.50	$274.50

Show the per-category math

Per-category earnings
Category	Spending	Tangerine Money-Back Credit Card		Tangerine® Money-Back World Mastercard®*
Category	Spending	Rate	Value	Rate	Value
Groceries	$7,200	2%	$144	2%	$144
Gas & EV	$2,100	2%	$42	2%	$42
Transit	$1,200	0.5%base rate	$6	0.5%base rate	$6
Restaurants	$2,400	0.5%base rate	$12	0.5%base rate	$12
Pharmacy	$600	0.5%base rate	$3	0.5%base rate	$3
Travel	$900	0.5%base rate	$4.50	0.5%base rate	$4.50
Bills & recurring payments	$2,700	0.5%base rate	$13.50	0.5%base rate	$13.50
Telecom	$2,700	0.5%base rate	$13.50	0.5%base rate	$13.50
Entertainment & streaming	$2,100	0.5%base rate	$10.50	0.5%base rate	$10.50
Office supplies	$0	0.5%base rate	$0	0.5%base rate	$0
Online advertising	$0	0.5%base rate	$0	0.5%base rate	$0
Other	$5,100	0.5%base rate	$25.50	0.5%base rate	$25.50

International traveller

A couple's basket with a quarter of the spending charged in another currency.

Assumes $36,000 of card spending a year, of which 25% is charged in a foreign currency (a scenario assumption, not measured data)

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$351	$351
Foreign transaction fees	−$225	−$225
Annual fee	$0	$0
Welcome bonus	$100	$120
Net value	$226	$246

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$351	$351
Foreign transaction fees	−$225	−$225
Annual fee	$0	$0
Net value	$126	$126

Show the per-category math

Per-category earnings
Category	Spending	Tangerine Money-Back Credit Card		Tangerine® Money-Back World Mastercard®*
Category	Spending	Rate	Value	Rate	Value
Groceries	$9,000	2%	$180	2%	$180
Gas & EV	$2,400	2%	$48	2%	$48
Transit	$1,800	0.5%base rate	$9	0.5%base rate	$9
Restaurants	$3,600	0.5%base rate	$18	0.5%base rate	$18
Pharmacy	$600	0.5%base rate	$3	0.5%base rate	$3
Travel	$1,200	0.5%base rate	$6	0.5%base rate	$6
Bills & recurring payments	$3,000	0.5%base rate	$15	0.5%base rate	$15
Telecom	$3,600	0.5%base rate	$18	0.5%base rate	$18
Entertainment & streaming	$3,600	0.5%base rate	$18	0.5%base rate	$18
Office supplies	$0	0.5%base rate	$0	0.5%base rate	$0
Online advertising	$0	0.5%base rate	$0	0.5%base rate	$0
Other	$7,200	0.5%base rate	$36	0.5%base rate	$36

Frequent foreign spender

A deliberately aggressive scenario: half of all spending charged in another currency.

Assumes $31,800 of card spending a year, of which 50% is charged in a foreign currency (a scenario assumption, not measured data)

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$280.50	$280.50
Foreign transaction fees	−$397.50	−$397.50
Annual fee	$0	$0
Welcome bonus	$100	$120
Net value	−$17	$3

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

Too close to call

Feature	Tangerine Money-Back Credit Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$280.50	$280.50
Foreign transaction fees	−$397.50	−$397.50
Annual fee	$0	$0
Net value	−$117	−$117

Show the per-category math

Per-category earnings
Category	Spending	Tangerine Money-Back Credit Card		Tangerine® Money-Back World Mastercard®*
Category	Spending	Rate	Value	Rate	Value
Groceries	$6,000	2%	$120	2%	$120
Gas & EV	$2,100	2%	$42	2%	$42
Transit	$1,800	0.5%base rate	$9	0.5%base rate	$9
Restaurants	$4,200	0.5%base rate	$21	0.5%base rate	$21
Pharmacy	$600	0.5%base rate	$3	0.5%base rate	$3
Travel	$900	0.5%base rate	$4.50	0.5%base rate	$4.50
Bills & recurring payments	$3,000	0.5%base rate	$15	0.5%base rate	$15
Telecom	$3,600	0.5%base rate	$18	0.5%base rate	$18
Entertainment & streaming	$2,100	0.5%base rate	$10.50	0.5%base rate	$10.50
Office supplies	$0	0.5%base rate	$0	0.5%base rate	$0
Online advertising	$0	0.5%base rate	$0	0.5%base rate	$0
Other	$7,500	0.5%base rate	$37.50	0.5%base rate	$37.50

Frequently asked questions

Which costs less per year, Tangerine Money-Back Credit Card or Tangerine® Money-Back World Mastercard®*?

Both charge $0 a year.

Which is better for spending in another currency, Tangerine Money-Back Credit Card or Tangerine® Money-Back World Mastercard®*?

Both charge 2.5% on purchases in another currency.

Which card comes out ahead, Tangerine Money-Back Credit Card or Tangerine® Money-Back World Mastercard®*?

It depends on how you spend. Across the 6 spending profiles on this page, Tangerine Money-Back Credit Card wins 0 in year one, Tangerine® Money-Back World Mastercard®* wins 0, and 6 are too close to call.

Do these earn rates have spending caps?

Yes — where a card caps a category, the ceiling is stated next to the rate on this page, along with what the card earns beyond it.

How we compare

Every figure on this page is read from the card data we maintain — annual fees, foreign transaction fees, earn rates, spending caps, welcome offers, insurance and lounge access.
Points are valued at our published valuation for each card's loyalty program. Cash back is counted at face value.
The spending profiles are standard baskets, not your spending. The share charged in a foreign currency is a stated scenario assumption.
Year one and the years after are kept separate: the welcome bonus and any first-year fee waiver only count in year one.
We may earn a commission when you apply through the links on this page. It never changes the figures above — they come from the same data for every card.

Ready to apply?

Applications are submitted on the issuer's own site. Nothing you read above changes if you apply from here.

Tangerine Money-Back Credit Card

Annual fee: $0
Base Rewards Rate: 0.5%
Welcome bonus: $100

Apply Now Full review

Applications are submitted to Tangerine

Tangerine® Money-Back World Mastercard®*

Annual fee: $0
Base Rewards Rate: 0.5%
Welcome bonus: $120

Apply Now Full review

Applications are submitted to Tangerine