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.
®Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank.
†† Additional 3¢/L Fuel Discount Offer: Offer Valid from October 5, 2026 to December 31, 2026 ("Promotional Period"), eligible Tangerine credit cardholders enrolled in the Shell Fuel Benefits Program who have linked an eligible Tangerine credit card (an "Eligible Credit Card") to their Shell Go+ account will receive an additional instant fuel discount of 3 cents per litre on eligible fuel purchases at participating Shell-branded retail locations in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, and the Northwest Territories (the "Eligible Provinces") excluding Shell Flying J locations. Fuel purchases made outside the Eligible Provinces are not eligible for this offer.
To receive the additional fuel discount, customers must pay with their linked Eligible Credit Card at the time of purchase.
The additional fuel discount is in addition to the fuel savings available through the Shell Fuel Benefits Program and may be combined with other eligible fuel discounts, rewards programs, and promotional fuel offers unless otherwise stated in the applicable offer terms and conditions.
The additional fuel discount is available on up to 1,000 litres of eligible fuel purchases per calendar month for each Eligible Credit Card. The 1,000-litre limit resets at the beginning of each calendar month.
The additional fuel discount is non-transferable, is not redeemable for cash, and cannot be substituted or exchanged.
Participation in the Shell Fuel Benefits Program is subject to the applicable program terms and conditions available at Tangerine Fuel Benefit Terms and Conditions.
Shell Canada reserves the right to make changes to this offer and to terminate the offer at any time, for any reason and without notice.
All other applicable terms and conditions of the Shell Fuel Benefits Program, Shell Go+, and Tangerine continue to apply.
®™ Shell trademarks are owned by Shell Brands International AG. Used under license.
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.
2 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 November 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.
3 Benefits 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.
◊ 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”.
4 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.
5 Some conditions may apply. Service is subject to availability and successful digital verification.
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®Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank.
