Explore your Tangerine Credit Card Benefits & Features

Groceries, getaways, and everything in between —Tangerine's Credit Cards are the most flexible way to earn cash back with your lifestyle. Earn unlimited Rewards with no caps and no annual fee.

Quick Access

Making the most of your categories
Making the most of your benefits
Quick Tips
FAQs

Making the most of your categories

13 categories to choose from

Refresh your Money-Back Categories every 90 days to keep Rewards optimized for your lifestyle^◊. And if you haven’t already, unlock a third 2% Category by having your Rewards paid to a Tangerine Savings Account.

Calculate your rewards based on your habits

Choose two 2% categories

2% cash back on purchases in two categories of your choice.

+

Unlock a third 2% category

Have your cash back Reward deposited in a Tangerine Savings Account and get a third 2% Money-Back Category.

Categories to choose from:

Managing your Money-Back Rewards

It’s a breeze online and in the app.

Learn more

See all earnings

See your Money-Back Rewards earned to date or since your last statement

View by category

View how much cash back you’ve earned in each category

Change 2% categories

You can change your 2% Categories every 90 days^◊

Why cash back is the way to go

You get unlimited cash back

We don’t put a cap on how much you can earn in Money-Back Rewards.

Earn with no strings attached

There’s no need to figure out points. You earn real cash.

Get paid automatically

Your Money-Back Rewards are paid automatically each month.

Making the most of your benefits

Tangerine® Money-Back World Mastercard®*

The benefits built into your Tangerine^® Money-Back World Mastercard^®* compliment those provided by Tangerine so you can get even more from your card – at home or a world away.

Priceless.com

Create memories that last a lifetime. Choose from over 2,000 experiences worldwide and close to home. Enjoy a private shopping experience, create a gourmet entrée with a chef, delight your palate on a wine tour, and so much more. Learn more.

H&R Block¹⁷

Get 20% off tax filing services with your Tangerine^® Money-Back World Mastercard^®*. File your tax returns accurately and efficiently with tax preparation services from H&R Block. Learn more.

Mastercard Travel Pass provided by DragonPass¹⁶

With VIP access to over 1,400 airport lounges worldwide, plus valuable dining, shopping and spa offers available in airports via the mobile app, our airport pass has never been better. Learn more.

Mastercard Travel Rewards

Shop, dine and relax with our partners to receive instant Mastercard Travel Rewards. Simply use your Tangerine^® Money-Back World Mastercard^®* when you travel outside of Canada. Learn more.

FlexiRoam¹⁴

Enjoy seamless access to data services as you travel, eliminating the inconvenience of switching physical SIM cards and the burden of expensive roaming costs. FlexiRoam’s extensive network coverage, spanning 520 operators in over 120 countries and regions, makes it a reliable choice when looking for flexible and hassle-free travel connectivity. Learn more.

Fubo¹⁵

Kick off your Sports Quarterly plan with your Tangerine® Money-Back World Mastercard®* to get $30 off your first quarter. With 57 channels and 250 hours of Cloud DVR included, there’s no end to what you can stream from your TV, tablet and other devices. Learn more.

Money-Back Credit Card

Learn more about some of the Money-Back Credit Card benefits and features.

Purchase protection and Extended Warranty⁵

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

H&R Block¹⁷

Get 15% off tax filing services with your Tangerine Money-Back Credit Card. File your tax returns accurately and efficiently with tax preparation services from H&R Block. Learn more.

Quick tips

How to activate your Card

Once you’ve been officially approved, you’ll receive your new Tangerine credit card. You can expect yours to arrive in about 10 business days.

Here are the steps:

Start online or in the app

Hit the ‘Activate’ button

For desktop, hit ‘Activate’. For mobile, go to ‘More Actions’ and then click ‘Activate’.

We’ll need the CVC & your Card PIN

Enter your CVC (the three digits on the back of your Card) and your PIN, then click the ‘Activate’.

Pay with your phone

Make paying even quicker. Add your Credit Card to your Apple Pay^®, Google Pay^™ and Samsung Pay^® mobile wallets – it’s fast and secure.

Learn how to add it to your mobile wallet

Add an Authorized User

It's easy to add an Authorized User to your Account and earn Money-Back Rewards on all their purchases. Once you’re logged in, select your Credit Card Account and go to ‘Account Details’. Hit ‘Manage’ under ‘Authorized Users’.

Remember, as the Primary Cardholder, you’re responsible for paying for the entire balance on your Credit Card Account, including any charges made by Authorized Users.

FAQs

Money-Back World
Money-Back

Pick your 2% Money-Back Categories based on your spending to maximize your savings. To maximize your earnings, add a third category when you choose to have your Rewards put into your Tangerine Savings Account automatically each month.

The Tangerine^® Money-Back World Mastercard^®* offers the following services for your peace of mind⁵:

Rental car theft/damage
Mobile device protection
Extended warranty
Purchase protection

More details are available here.

Access 1,300+ airport lounges in more than 140 countries, courtesy of Mastercard Travel Pass provided by DragonPass¹⁶. Simply download the Mastercard Travel Pass app and present your membership.

Download the Mastercard Travel Pass app or visit mastercardtravelpass.dragonpass.com to register and enjoy airport lounge access.

The Tangerine^® Money-Back World Mastercard^®* offers additional travel and lifestyle benefits such as FlexiRoam¹⁴, special offers, FuboTV¹⁵ and more. You can see a detailed comparison of our Credit Cards here.

You can have up to 5 Authorized Users on your Account. One Account, multiple Cards, and no annual fee for the extra cards. But remember: the Borrower and any Co-borrowers remain liable for any charges made on additional cards.

A no annual fee cash back credit card lets you earn cash back on your purchases, without paying a flat fee each year. With the Tangerine Money-Back Credit Card, you earn 2% cash back in up to three customizable categories + 0.5% back on all other purchases. It’s another way to help you save while you’re spending.

Every purchase you make using your Tangerine Credit Card earns you cash back. Rewards are paid automatically each month, either directly back to your Credit Card Account or deposited to your Tangerine Savings Account. If you choose to receive them in your Credit Card Account, you get two 2% Categories. And if you opt to have them deposited in your Savings Account, you get a third 2% Category. You can change them to match your spending habits every 90 days^◊.

These new categories will be available October 25th, 2025.

Be sure to note the effective date—your updated selections won’t apply retroactively, but they’ll kick in at the beginning of your next monthly Statement period.

You can update your categories every 90 days, so feel free to revisit them as your lifestyle or priorities change. It’s all about making your Rewards work for you.

Once you're logged in, select your Credit Card Account and go to 'Rewards'. There, you’ll be able to see your Rewards earned.

There are two options for receiving your Rewards:

You can have the cash back applied to your Credit Card, in which case they're applied against the balance owing. This option gives you two 2% categories.
You can have the Rewards deposited to your Tangerine Savings Account, where they're treated just like regular cash deposits and earn interest. With this redemption option, you can choose three 2% categories.

Rewards are automatically applied to your Account on your statement date each month.

Yes, you can use your unlimited 2% cash back rewards in 2 categories of your choice (+ 0.5% back on everything else) against your balance owing. If you add a third 2% cash back rewards category, all of your cash back rewards will be deposited into your Tangerine Savings Account.

^◊ Changing Your 2% Money-Back Categories: At the time of Application, you will choose either two (2) or three (3) 2% Money-Back Categories (depending on your choice of Redemption Destinations as described above in Section 5 of the Tangerine Money-Back Rewards Program Terms and Conditions. If your online session ends early during the Application process and you did not have a chance to select your 2% Money-Back Categories, we will choose them on your behalf. Whether you choose your 2% Money-Back Categories or they are chosen for you, you can make one (1) 2% Money-Back Category change request at any time after the Credit Card Account opening. Any further 2% Money-Back Category change requests will take effect on the first billing date following a 90-day hold period after the previous 2% Money-Back Category change took effect. During the 90-day period, you may request a change to your 2% Money-Back Category selection at any time. However, the change will not take effect until this period has ended. If you request multiple changes to your 2% Money-Back Categories throughout this period, we will select the most recent change request as the request that is to be implemented. To review the history of changes to your Credit Card Account, log in at tangerine.ca and go to “Manage Rewards”.

¹⁴FlexiRoam: Valid from 10/01/2024 and can be redeemed once per calendar year. Eligible Money-Back World Mastercard^® cardholders can redeem a FlexiRoam eSIM and a 1GB of global^** data roaming, and Mastercard World Elite cardholders can redeem a FlexiRoam eSIM and a 3GB of global** data roaming plan at no additional cost by using your eligible Mastercard payment card (the "Program Benefit"). Eligible cardholders will need to register by creating a FlexiRoam account. To determine eligibility, enter your full 16-digit Mastercard card number when prompted in the FlexiRoam Mobile Application or on the FlexiRoam website. Upon verification of your eligibility, you must complete the full enrollment process to utilize the Program Benefit.

The FlexiRoam eSIM and the 1GB or 3x1GB global data roaming plans must be activated within the calendar year following enrollment and each will be valid for 5 days from the date of activation.

Benefit can only be redeemed once. For subsequent purchases, a 15% discount will be automatically applied.

Terms, conditions, pricing, special features, and service and support options subject to change or cancellation without notice. Mastercard reserves the right to modify or cancel this Program Benefit at any time without notice. In order to redeem the Program Benefit, you acknowledge that you are entering into an agreement with FlexiRoam. By agreeing to the terms thereof, you acknowledge and agree that neither Mastercard nor any participating financial institution card issuer has any involvement or responsibility for the provision of any FlexiRoam benefit, subscription, products or services and are not responsible for any claims or damages arising from their use thereof.

This Program Benefit is non-transferable and may be terminated for any breach of the FlexiRoam terms and conditions. The offer cannot be combined with any other FlexiRoam offer. Your use of the Program Benefit is subject to FlexiRoam’s terms and conditions and other applicable legal terms and conditions available at https://www.flexiroam.com/terms-and-conditions/. Additional eligibility restrictions, exclusions and terms apply. See full terms and conditions.

The following cards issued in Canada: Money-Back World Mastercard^® and World Elite Mastercard, if eligible. Check here for eligibility: mastercard.flexiroam.com/canada.

Cardholders cannot data roam using FlexiRoam in North Korea, Ukraine, Western Sahara & Tanzania.

¹⁵Fubo TV: Eligible Mastercard* cardholders who are new subscribers** of Fubo will receive a C$30 discount on Fubo Canada Sports quarterly plan when they pay with their Eligible Mastercard. Offer not available to Quebec-based cardholders. The offer is valid one time only. Each eligible World and World Elite cardholder will receive the C$30 discount on his or her first payment only (total first quarterly payment with discount applied will be equal to C$49.97*** + applicable taxes) and thereafter, the quarterly subscription will automatically renew at a cost of C$79.97*** per quarter + applicable taxes until cancellation. To access the offer and subscribe to a Fubo Sports Quarterly plan, you must register at https://fubo.tv/stream/ca/mastercard. The $30 discount on the Sports Quarterly plan will be deducted from the cost of the plan at the time of checkout. Additional taxes may be applied.

Additional terms and conditions apply. Your subscription is subject to Fubo’s Terms of Service and Privacy Policy available at: Fubo Terms of Service. Terms, conditions, subscription pricing, features, programming, and service and support options subject to change without notice. You can cancel your subscription through your Account Page at any time before renewal, visit Fubo TV website (My Account). In the event of cancellation, no credits or refunds will be provided for subscription fees already paid. Mastercard and Fubo reserve the rights to modify or end this offer at any time and for any reason, without notice.

Neither Mastercard or any participating financial institution card issuer has any involvement in or responsibility for the provision of any Fubo subscriptions, products, or services, and are not responsible for any arising claims or damages.

^*The following cards issued in Canada: Money-Back World Mastercard^®, World Elite Mastercard, and Muse by Mastercard if eligible. Check here for eligibility: https://fubo.tv/stream/ca/mastercard. Offer not available to Quebec-based cardholders.

^**A “new subscriber” eligible for the one-time C$30 discount is someone who has not registered for Fubo services previously as determined solely by Fubo. Subscribers who have a subscription to Fubo services would not be eligible to redeem this offer.

^*** Price subject to change. Visit checkout page or My Account page for current subscription price.

¹⁶ Mastercard Travel Pass: Certain terms, conditions and exclusions apply. For full details, please visit: https://mastercardtravelpass.dragonpass.com/terms-and-conditions.

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

¹⁷ H&R Block

Offer available from October 1, 2024, until September 30, 2026. Offer valid only for eligible Mastercard cardholders on the purchase of one individual or coupled tax Online Tax Service and Assisted Tax Preparation. At participating locations only. Some conditions may apply. Applicable tax extra. Payment must be completed with the cardholder’s eligible Mastercard. Applicable discount will be deducted at time of checkout before taxes are applied. Offer valid only on the purchase of a paid version of the current year and does not apply to add-ons available. Cannot be applied to past transactions or previous version of the tax software. No cash surrender or other value. May not be combined with any other discount offer. Additional terms and conditions apply, please visit: https://www.hrblock.ca/legal/terms-conditions/hr-block-software-terms-conditions. Terms, conditions, pricing, features, and service and support options subject to change without notice. Mastercard and HRBC reserves the right to modify or end this offer at any time, without notice. Conditions apply. HRBC Products and Services are not provided by Mastercard. By purchasing HRBC Products and Services, the client agrees that the legal relationship will be with HRBC and not Mastercard. By agreeing to the terms thereof, you acknowledge and agree that neither Mastercard nor any participating financial institution card issuer has any involvement in or responsibility for the provision of any HRBC Subscriptions, Products, or Services, and are not responsible for any claims or damages arising thereof.

⁵Benefits include:

Rental Car Collision/ Loss Damage Insurance: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.

Mobile Device Insurance: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.

Purchase Assurance and Extended Warranty: For most new purchases made anywhere in the world using your Tangerine Credit Card, 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.

See the Credit Card Cardholder Agreement for complete benefits and terms.

^®*World Mastercard and Mastercard are registered trademarks 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.

^® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries.

™ Google Pay is a trademark of Google LLC.

^® Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

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