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Money-Back Credit Card

  • 2% Money-Back Categories of your choice + 0.5% on everything else
  • Money-Back Rewards deposited into your Account monthly
  • Track and categorize your spending


Annual fee 

Up to 2%




Tangerine World Mastercard and Phone

Are you already a Client?

Log in if you already bank with us, or take just a few minutes to sign up and become a client.

Unlimited money back and no annual fee

Earn cash back

Earn 2% Money-Back Rewards in up to 3 Categories of your choice, and 0.50% Money-Back Rewards on all your everyday purchases. 

Earn extra Rewards

Get your Rewards deposited into your Tangerine Savings Account and get a third 2% Money-Back Category.

Earn automatically

Money-Back Rewards are unlimited and automatically paid monthly. 

2% Money-Back Categories

Get your Rewards deposited into your Tangerine Savings Account and earn more!

Two Categories Image

Two Categories

2% Money-Back Rewards on purchases in two categories of your choice.


Three Categories Image

Three Categories

Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back Category.

Choose from:

2 percent back on groceries


2 percent back on restaurants


2 percent back on gas


2 percent back on entertainment


2 percent back on furniture


2 percent back on hotels and motels


2 percent back on drug stores

Drug Store

2 percent back on reoccuring bill payments

Recurring Bill Payment

2 percent back on home improvements

Home Improvement

2 percent back on public transportation and parking

Public Transportation and Parking

Transfer and save

During your first 30 days, transfer balances and pay an interest rate of only 1.95% on the transferred balance for the first 6 months (19.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.

Clip art of cards

Additional Card features

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.

Made of 100% recycled plastic

Using recycled plastic reduces the CO2 footprint by 61%^. That’s why our Credit Cards are now made of 100% recycled plastic.

Piggy bank

Stay updated with Orange Alerts

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

Spend smart and confidently

No matter what device, we’ve got you covered. Add your Tangerine Client Card and Credit Card to your mobile wallet and use it where contactless payments are accepted.

Left to Spend

Left to Spend is a smart way to track your spending. See where your money is going and keep track of how much money you have left to spend each month.

Fees & Interest

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

Interest Rate on Purchases:19.95%
Balance transfer fee:3% of the amount transferred, or minimum of $5.00
Promotional Balance transfer interest rate†1.95% interest for the first 6 months (19.95% after that)
Foreign currency conversion2.50%
Cash advance$3.50 within Canada, $5.00 outside Canada
Interest on Cash Advances19.95%
Dishonoured payment$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.

Download the app

Become a Client completely digitally with our Mobile Banking app. Sign up without leaving your home or having to call us—it’s a fast, convenient and secure mobile experience.

Don’t have our Mobile Banking app yet? Download it today, so you can bank easily from anywhere.


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