FAQs: Tangerine Credit Card
Are there any fees associated with the Tangerine Money-Back Credit Card?
There is no annual fee with the Tangerine Money-Back Credit Card. However, certain transactions and services do involve a fee:
Foreign Currency Conversion - 2.50% is added to the converted transaction amount.
Cash Advance - $3.50 within Canada, $5.00 outside Canada.
Balance Transfer - 3.00% of the amount transferred, or minimum of $5.00.
Dishonoured Payment - $25.00
Over-limit - $25.00 (maximum one over-limit charge per monthly statement period).
Rush Card - $25.00.
Past Statement Reprint - $5.00 per statement (no charge for reprint of current monthly statement).
How do the Money-Back Rewards work?
Every purchase you make using your Tangerine Money-Back Credit Card earns you Money-Back Rewards. You earn 2% Money-Back Rewards on all your purchases in the 2% Money-Back Categories of your choice, and 0.50% on all other purchases.
There are two options for receiving your Money-Back Rewards:
- You can have them deposited back onto your Credit Card, in which case they are applied against the balance owing on your Account. If you select this redemption option, then you can choose two 2% Money-Back Categories.
- You can have them deposited into your Tangerine Savings Account, where they are treated just like regular cash deposits and earn interest. With this redemption option, you can choose three 2% Money-Back Categories.
Money-Back Rewards are automatically deposited into your designated Account on your statement date each month.
Can I have additional cardholders on my Account?
Yes, you can allow up to 5 Authorized Users to have a Card on your Credit Card Account. Authorized Users can make purchases and take Cash Advances with the Cards issued to them, but they can’t make changes to the credit limit on your Account or arrange Balance Transfers. Authorized Users also aren’t responsible for paying balances owing on your Account. As the Primary Cardholder, you would be entirely responsible for paying Credit Card balances, including any charges incurred by Authorized Users.
Can I get a Credit Card for my business?
No, the Tangerine Money-Back Credit Card is for personal use only.
What if I want to change my 2% Money-Back Categories?
You can make 2% Money-Back Category changes at any time after you activate your Credit Card. This first change will take effect on the next monthly statement date. After that, you can request further changes at any time, but the new 2% Money-Back Categories will only take effect on the first monthly statement date after the existing categories have been in place for 90 days.
Do I need to do anything to redeem my Money-Back Rewards?
No, there’s nothing you need to do. Your Money-Back Rewards are redeemed automatically, either to your Tangerine Savings Account or to your Credit Card Account, on your statement date each month.
How do I activate my new Credit Card?
Once you’re logged in, under ‘My Accounts’, you’ll see a box prompting you to activate your Credit Card. Just click the ‘Activate Card’ button to get started.
If you prefer you can also activate your Card by calling 1-866-700-4610.
I’m traveling outside Canada and would like to use my Credit Card. Is there something I need to do?
It’s definitely a great idea to let us know about your travel plans so we can help prevent issues with your Credit Card. When you’re logged in, select your Credit Card Account, and go to ‘Account Details’. Toward the bottom of that screen, you’ll see a link that says ‘Travel notice’. Click there to provide your Travel Notification details.
Note that there may be some countries that are subject to sanctions imposed by international norms and laws, or other situations that may prevent transactions while you’re in these countries. We monitor and adhere to all sanction laws of Canada, the United States, and the United Nations. This means that we may be unable to permit transactions in certain countries. If you encounter problems while you are travelling, please contact us at 1-888-826-4374. You can also call us collect at 416-758-3139.
What do I do if I think my Credit Card is lost or stolen?
Call us at 1-888-826-4374 as soon as you become aware that your Card has been lost or stolen.
How do I change my Credit Card PIN?
Once you’re logged in, select your Credit Card Account, and go to ‘Account Details’. Toward the bottom of that screen, you’ll see a link that says ‘Change my Card PIN’. Click there to set up a new PIN.
How do I dispute a transaction?
If you’d like to dispute a Credit Card transaction, please call us at 1-888-826-4374 to speak with someone on our Credit Card team.
How do I increase my Credit Card limit?
You can request a Credit Card limit increase directly online. Once you’re logged in, select your Credit Card Account and go to ‘Account Details’. Click on ‘Change’ beside your credit limit, and you can then enter the details for your request. All credit limit increase requests are subject to a credit check.
How do I add an Authorized User on my Credit Card Account?
You can add an Authorized User directly online. Once you’re logged in, select your Credit Card Account and go to ‘Account Details’. Click ‘Add’ beside ‘Authorized Users’, and you’ll be taken to ‘Manage Authorized Users’, where you can add an Authorized User on your Account.
Can I pay my Credit Card bills automatically?
Absolutely. You can arrange for your Credit Card payments to happen automatically by logging in and going to ‘Move my money’. Select your Tangerine Money-Back Credit Card Account in the ‘To’ dropdown and you can provide all the details for your automatic payments.