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Special Offer

Earn an extra 10% cash back (up to $100)10

Shop for stuff you need with the Card that has what you want.

Apply Now
Apply Now


 

Before you begin

Tell us if you’re a new or existing client.

Getting cash back is as easy as 1-2-3

1

Apply for a Tangerine Money-Back Credit Card

Apply in minutes online on our Mobile Banking app or online.

2

Get a bonus 10% cash back10 – up to $100

Applies to purchases in your first 2 months.10 That’s on top of your usual unlimited 2% cash back in 2 categories of your choice + 0.5% back on everything else.

3

And enjoy customizable cash back categories

Groceries, furniture or gas – choose your categories based on your everyday spending or upcoming purchases.

Plus, get a low interest rate on Balance Transfers

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, pay our low promotional interest rate of 1.95% on that transferred balance for 6 months (and 22.95% on any unpaid balances after 6 months). A Balance Transfer Fee of 1% on the amount transferred will apply.11

Clip art of cards

Additional Card features⁵

Free cards for Authorized Users on your Account

Add up to 5 people – one Account, multiple Cards, no extra charge. 

Easy online Pause My Card feature–in case you need it

If you ever think you’ve lost or misplaced your Card, there’s no need to panic. With a couple quick clicks, you can temporarily suspend it.

Orange Alerts

Customize your preferences to receive important Account alerts through text or email.

Purchase Assurance and Extended Warranty

You may receive a lifetime maximum of up to $60,000.

Get up to 8¢/L in value at participating Shell stations Canada-wide¹.

Now a Tangerine® Money-Back Credit Card helps get you where you need to go with savings on fuel. Conditions apply.

Learn more

Fees & Interest

There is $0 annual fee with the Tangerine Money-Back Credit Card

Interest Rate on Purchases:20.95%
Balance transfer fee:3% of the amount transferred, or minimum of $5.00
Promotional Balance transfer interest rate111.95% interest for the first 6 months (22.95% after that)
Foreign currency conversion2.50%
Cash advance$3.50 within Canada, $5.00 outside Canada
Interest on Cash Advances22.95%
Dishonoured payment$25.00
Over-Limit$25.00
Rush Card$25.00
Past statement reprint$5.00 per statement, no charge for reprint of current monthly statement

Grace Period: We calculate interest on any amount owed from the transaction date until that amount has been paid in full. However, we don’t charge interest on new purchases that appear on your Credit Card Account statement for the first time if we receive payment in full of your balance (as shown on your Credit Card Account statement) by the Payment Due Date on that statement. This interest-free grace period doesn’t apply to Cash Advances. See the Disclosure Statement that you will receive with your Card for full details about the fees and rates that apply to your Card.

Legal Stuff

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.

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 is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on 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.

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.

5 Purchase Assurance and Extended Warranty: For most new purchases made anywhere in the world using your Tangerine Money-Back World Mastercard®, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:

- Purchase Assurance to automatically cover loss, theft or damage on most new insured items for 90 days from the date of purchase
- Extended Warranty which may double the period of repair services to a maximum of one year

Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Coverage is subject to eligibility, limitations and exclusions. For details of the coverage, including definitions and benefits, refer to the Certificate of Insurance provided with the card.

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

1 Tangerine Credit Cardholders with a Scene+ membership who link their Credit Card and their Scene+ account to a Shell Go+ Account can get up to 8 cents per litre in instant fuel discounts, Tangerine Money-Back Rewards, and Scene+ rewards value when they purchase fuel with their linked Tangerine Credit Card:

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations when you use any Tangerine Credit Card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Tangerine Credit Card Account. This total limit resets at the start of each new month per Credit Card Account. This discount is subject to the Tangerine Fuel Benefit Terms and Conditions.

• Earn up to 3 cents per Litre in Cash Back Rewards: When you use your Tangerine Credit Card on Fuel Purchases (All Grades), if you have Gas selected as one of your 2% Money-Back categories you will earn 2% cashback on all eligible Net Purchases made at merchants classified as “Service Stations” by the payment network (which are subject to change), excluding fuel purchases that are not for retail or for automobiles. Assumes an average fuel price of at least $1.50/L. Net Purchases means purchases of goods and services charged to your Credit Card Account, less all returns, merchant credits and adjustments. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn Money-Back Rewards. This benefit is subject to the Tangerine Money-Back Rewards Program Terms and Conditions.

• Scene+ Members earn up to 2 cents per Litre in Scene+ Rewards Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 2 Scene+ points for each litre of V-Power® gasoline or V-Power® diesel purchased (“Premium Fuel Purchases”). Scene+ Rewards value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms. 

Note: Highest value of 8 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.50 per litre) made with a Tangerine Credit Card that has Gas selected as a 2% Money-Back Category and is linked to a Shell Go+ Account and who have a Scene+ account also linked to the Shell Go+ account. Actual value will be lower depending on whether or not the Credit Card is linked, selected 2% Money-Back Categories, fuel grade purchased, Scene+ membership status and how you choose to redeem your Scene+ points. 

10 Rewards Promotional Offer:

The Tangerine 10% Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine Money-Back Credit Card (the “Account”) by September 30, 2026, (ii) activate their Account 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 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 10% (up to $100) 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, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.

11 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 and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Quebec at the time you accept this offer. 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 22.95% 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. We don’t charge interest on new Purchases that appear on your statement for the first time if we receive full payment of the Balance on your statement (including payment of any Balance Transfers included in that Balance), by the Payment Due Date on your statement. This means you will pay interest on new purchases that appear on your statement for the first time unless we receive payment of your entire balance each month by the payment due date. For example, if you do a promotional (or non-promotional) balance transfer for $7,000 and spend $500 in new purchases during the same statement cycle, we must receive payment of the entire balance of $7,500 on or before your payment due date to avoid paying interest on your new purchases that month of $500. 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.