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*The $100 Credit Karma Offer (the “Offer”) is available between January 17, 2022 and January 31, 2022 (the “Offer Period”), to new Tangerine Clients who, within the Offer Period, successfully open and activate (i) a Tangerine Savings Account using the Orange Key “KARMA100”, and (ii) a Tangerine Money-Back Credit Card or Tangerine World Mastercard®. New Clients must never have received a Tangerine welcome bonus offer related to opening a Savings Account or Credit Card with Tangerine or its predecessor/subsidiary companies at any time previously. The $100 Bonus will be paid to the Primary Account Holder’s Tangerine Savings Account within four (4) weeks of the satisfaction of all Terms and Conditions applicable to the Offer. The Offer is not transferable and can’t be combined with any other Client Savings Account or Credit Card offers except as otherwise permitted. Limit of one (1) Offer per Primary Account Holder. Offer may be changed, extended or cancelled without notice.
**Credit Card General Terms:
Applicants must apply for the Card and must consent to a credit check. Accounts must be in Good Standing in order to receive Money-Back Rewards. See the Tangerine Money-Back Rewards Program Terms & Conditions for full details.
Annual Interest Rates: The annual interest rate on Purchases and Cash Advances (including Balance Transfers) is 19.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 24.95% will apply to your Account on Purchases and Cash Advances (including Balance Transfers).
Other Fees and Rates: These fees are charged on the day the transaction occurs (unless otherwise indicated): Cash Advance: $3.50 within Canada, $5 outside of Canada; Balance Transfer: 3% or minimum of $5 (unless reduced or waived) of the amount transferred when it is posted to your Account. Dishonoured Payment: $25; Rush Card: $25; Over-Limit: $25 (maximum one Over-Limit charge per monthly statement period); Past Statement Reprint: $5 per past statement. There is no charge for a reprint of your current monthly statement. Foreign Currency Conversion: When the converted transaction amount gets posted to your Account, we’ll add a foreign currency conversion fee of 2.50% to the converted transaction amount.
See your Information Box in the application for full details or visit Tangerine.ca/CreditCardLegal. Rates and fees are subject to change.
^ Rewards Promotional Offer:
The Tangerine 15% Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine World Mastercard or Money-Back Credit Card (the “Account”) by January 31, 2022, (ii) activate their Card within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine World Mastercard or Money-Back Credit Card is activated. “Net Purchases” include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees, insurance premiums, adjustments or other charges. The Offer Bonus of 15% (up to $150) will be credited to the Primary Cardholder’s Account within 1–2 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards Program Terms & Conditions, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement
for more details, including definitions of any capitalized terms.
Fair fees mean they are disclosed and agreed to in advance, and the amount makes sense relative to the benefit received. View the complete list of Account fees
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence.
Forward Banking is a registered trademark of Tangerine Bank.