Earn double the rewards* on everyday purchases for a limited time

4% Money-Back Rewards in up to 3 Categories for 3 Months.*

Apply for the Tangerine Money-Back Credit Card by January 31, 2020 and earn 4% Money-Back Rewards in up to 3 chosen categories* for your first 3 months, instead of the usual 2%.

Earn 4% money back on everyday purchases for a limited time with the Tangerine Money-Back Credit Card*

Most credit cards make it easy for you to spend money. But with the Tangerine Money-Back Credit Card, it’s also easier for you to save money on your everyday purchases with money back.

Choose two of these categories plus get a third when you have your Money-Back Rewards deposited into your Tangerine Savings Account. And remember, for your first 3 months, you’ll actually earn 4% Money-Back Rewards in your chosen categories instead of the standard 2%.

Grocery

Recurring Bill Payments

Furniture

Drug Store

Restaurants

Home Improvement

Hotel-Motel

Entertainment

Gas

Public Transportation and Parking

If you have a balance you owe on another credit card with a higher interest rate, transfer it to a Tangerine Money-Back Credit Card and pay our low promotional interest rate of 1.95% on that transferred balance for 6 months (and 19.95% on any unpaid balances after 6 months). A Balance Transfer fee of 1% on the amount transferred will apply.^†

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Legal Stuff

Tangerine is a subsidiary of The Bank of Nova Scotia. (“Scotiabank”). Since you are a customer of Scotiabank, we’re able to provide you with this limited time offer for a new Tangerine Money-Back 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 Credit Card Rewards Program Terms & Conditions for full ...details.

Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers.

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. Rates and fees are subject to change.

Rewards Promotional Offer:

* This Promotion is available only to new Tangerine Money-Back Credit Card Account holders who apply between April 22, 2019 and January 31, 2020, and activate their Credit Card no more than 45 calendar days from the date Tangerine approves the application.

During the Promotion, up to 3 chosen 2% Money-Back Categories will earn 4% money back for the 92-day period beginning on the date the Tangerine Money-Back Credit Card is activated. The Promotional rate of 4% money back does not apply to Cash Advances (including Balance Transfers or Cash-Like Transactions). All other everyday purchases will earn 0.50% money back. All other Terms and Conditions for the Tangerine Money-Back Credit Card and the Tangerine Money-Back Rewards program remain unchanged. If the chosen 2% Money-Back Categories are changed at any time during the 92-day period while this Promotion is in effect, the 4% Promotional rate will be automatically transferred to the new chosen categories.

Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee)

^†A Promotional Rate of 1.95% will apply to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the “Promotional Rate Period”). To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Balance Transfers may not exceed the available credit on the Account. If the Balance Transfer exceeds the available credit, the Balance Transfer transaction will not be processed. A 1% Balance Transfer Fee will be charged on each Balance Transfer amount. Interest does not accrue on the Balance Transfer Fee, however it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate of 19.95% will apply to that amount. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. Balance Transfers may not be used to transfer money to or from another Tangerine Account. See the Tangerine Credit Card Cardholder Agreement for more information about how we apply payments to your Account.

Cash Advances (including Balance Transfers) do not earn Tangerine Money-Back Rewards. See the terms and conditions of the Tangerine Money-Back Rewards Program at Tangerine.ca/CreditCardLegal for full details on other items that do not earn Tangerine Money-Back Rewards.

Any of these offers may be changed or cancelled at any time without notice.

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.

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