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Link your Tangerine Credit Card to your Shell Go+ account to stack savings at the pump – Now available across Canada. Learn More

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Tangerine Money-Back World Mastercard

Get unlimited 2% cash back in up to 3 categories of your choice with a savings account + 0.5% back on everything else.

Unlimited

Cash back monthly

$0

Annual fee

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Special offer

$0

Annual Fee

20.95%

Purchase interest rate

22.95%

Cash Advance Interest Rate

Uncomplicated lifestyle Credit Card features & benefits

The benefits built into your Money-Back World Mastercard®* complement those provided by Tangerine so you can get even more from your Card – at home or a world away. Learn more about some of the Money-Back World Mastercard®* benefits and features6.

BENEFITS

Get up to 8¢ per litre in value1

Link your Money-Back World Mastercard®* to your Shell Go+ account to stack savings at the pump. Learn More

BENEFITS

FlexiRoam14

Enjoy seamless, hassle-free connectivity – everywhere. Your Money-Back World Mastercard® unlocks a complimentary 1GB Global Data Roaming Plan and 15% off on purchase of Data Plans.

BENEFITS

On-demand and subscription services

BENEFITS

Purchase Assurance and Warranty5

BENEFITS

Mobile Device Insurance5

BENEFITS

Rental Car Insurance5

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:

Grocery

Restaurants

Gas

Entertainment

Furniture

Hotel-Motel

Drug Store

Recurring Bill Payments

Home Improvement

Public Transportation and Parking

E-Games

Fitness and Sports Clubs

Foreign Currency Spend

Fees & Interest

 Fees & Interest
Account Fee

$0

Interest rate on purchases20.95%
Cash Advance $3.50 within Canada,
$5.00 outside Canada
Interest on Cash Advances22.95%
Over-Limit$25.00

There is no annual fee with the Tangerine® Money-Back World Mastercard®*

 Fees & Interest
Account Fee$0
Interest rate on purchases20.95%
Cash Advance$3.50 within Canada,
$5.00 outside Canada
Interest on Cash Advances22.95%
Over-Limit$25.00
Regular Balance Transfer fee3% of the amount transferred, or minimum of $5.00 
Promotional Balance Transfer fee111% of the amount transferred
Promotional Balance Transfer interest rate111.95% on balances transferred in the first 30 days. Promo rate applies for 6 Statement Periods from date of last eligible balance transfer (22.95% after that)
Foreign currency conversion2.50%
Interest on Cash Advances22.95%
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.

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

Now a Tangerine® Money-Back World Mastercard®* helps get you where you need to go with extra savings on fuel. Conditions apply.

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Spotlight Illustration

Join with our app

Become a Client completely digitally with our Mobile Banking app3 and add your Money-Back World Mastercard® to your Mobile Wallet (Apple Pay, Google Pay, and Samsung Pay) to ensure you don’t miss an opportunity to earn cash back on your everyday purchases.

Don’t have our Mobile Banking app3 yet? Download it today, so you can bank easily from anywhere.

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4 and a half stars

100,000+ Reviews4

Sticky Notes

Money-Back World Mastercard® FAQs

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.

To be eligible for a Tangerine Credit Card, you need to have reached the age of majority in the province or territory where you live. You also need to be a permanent resident of Canada and be clear of bankruptcies for at least 7 years. Once you apply, we'll check whether you meet our other criteria – such as income - and will let you know if you’ve been approved. For certain premium Cards that we offer, there may also be requirements relating to your household/gross income, annual spend or assets under management.

Not the right fit? Take a look at our other credit cards

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Special Offer

Money-Back Credit Card

Your everyday Credit Card with no annual fee.

2%

Cash back in up to 3 categories

0.5%

On everything else

World credit card and phone
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Special Offer

Tangerine® Rewards World Elite Mastercard®*

Enjoy flexible rewards and premium benefits.

1.5x

Scene+ Points in 3 categories of purchases1

1

Scene+ Point on everything else1

World credit card and phone