Pros
- ✓Welcome Bonus: $100
- ✓Purchase protection included
- ✓No annual fee
Cons
- ✗Foreign Transaction Fee (2.5%)
Our Review
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 :
- 90 days purchase insurance
- One year extended warranty
Finally, during the first 30 days you hold the card, transfer credit card balances and pay only 1.95% interest on these balances for the first 6 months.
Offer ends: 2026-04-30
Rewards
All Spending
0.5x
Cash Back pts per dollar
Gas
2x
Groceries
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$238
$/yr
Estimated Value
$238
After Fees
+$238
1st Year Value
$338
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate20.95%
- Cash Advance22.95%
- Balance Transfer Promo1.95%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$12,000
Household Income
$12,000
Terms & Conditions
Card Features
- 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
FAQ
What are the annual fees for the Tangerine Cash Back Credit Card?
The Tangerine Cash Back Credit Card has no annual fees, and authorized users are also free.
How does the Tangerine Cash Back Credit Card's cash back system work?
The Tangerine Cash Back Credit Card offers 2% cash back in 2 categories of your choice, or 3 categories if you deposit into a Tangerine Savings Account, plus 0.5% on everything else.
What minimum income does the Tangerine Cash Back Credit Card require?
The Tangerine Cash Back Credit Card requires a minimum personal income of only $12,000.
Can you change the cash back categories with the Tangerine Cash Back Credit Card?
Yes, with the Tangerine Cash Back Credit Card, you can change your cash back categories every 90 days according to your spending habits.
What categories are available with the Tangerine Cash Back Credit Card?
The Tangerine Cash Back Credit Card offers groceries, restaurants, gas, entertainment, home furnishings, hotels, pharmacy, bills, renovations, transportation, gaming, fitness, and foreign transactions.
How to get a 3rd 2% category with the Tangerine Cash Back Credit Card?
With the Tangerine Cash Back Credit Card, deposit your cash back into a Tangerine Savings Account to unlock a 3rd 2% cash back category.
How many authorized users can you have with the Tangerine Cash Back Credit Card?
The Tangerine Cash Back Credit Card allows up to 5 free authorized users to maximize family cash back.
What insurance does the Tangerine Cash Back Credit Card offer?
The Tangerine Cash Back Credit Card includes purchase assurance and extended warranty with a lifetime maximum amount of $60,000.
Is there a promotional offer with the Tangerine Cash Back Credit Card?
Yes, the Tangerine Cash Back Credit Card currently offers 10% cash back for 2 months (maximum $100), which is in addition to the usual cash back.
What are the interest rates for the Tangerine Cash Back Credit Card?
The Tangerine Cash Back Credit Card has an interest rate of 20.95% on purchases and 22.95% on cash advances.
Legal
*Conditions apply.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Tangerine. All trademarks are property of their respective owners.