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Tangerine Money-Back Credit Card

Unlike other credit cards, where rewards need to be requested or come with unreasonable restrictions, with the Tangerine Money-Back Credit Card, you earn unlimited Money-Back Rewards. There’s no annual fee, which means you’re not paying a price to earn cash back, either. And you get your Money-Back Rewards monthly as you earn them. It’s your money, plain and simple.

Key features at a glance

  • Optimizing your 2% Money-Back Categories to suit your everyday spending has never been easier. Choose your categories to earn the most money back.

  • During your first 6 months, transfer balances from your other high interest rate credit cards, and pay only 1.95% interest on the transferred balance for the first 6 months.*

2%

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

Deposit your Rewards to your Credit Card and get two 2% Money-Back Categories.

or

2%

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


    Rewards Features

  • Get 0.50% money back on all other everyday purchases.

  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.

  • No limit on the amount of Money-Back Rewards you can earn.

  • Change your 2% Money-Back Categories to suit your everyday spending.

  • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.

  • Mobile Wallets: Add your Tangerine Money-Back Credit Card to your mobile wallet and use it where contactless payments are accepted. Your Card can be added to Apple Pay, Google Pay, and Samsung Pay. It’s simple and secure. Learn more here.

2% Money-Back Categories

  • Grocery
  • Furniture
  • Restaurants
  • Hotel-Motel
  • Gas
  • Recurring Bill Payments
  • Drug Store
  • Home Improvement
  • Entertainment
  • Public Transportation and Parking

Additional Card Benefits

  • Free Cards for Authorized Users on your Account.

  • Purchase Assurance and Extended Warranty1 – For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:

    • Purchase Assurance, which may automatically cover loss, theft or damage, in excess of other insurance, for 90 days from the date of purchase; and

    • Extended Warranty, which may double the period of repair services, to a maximum of one additional year, when the original manufacturer’s warranty expires.


Mastercard® Benefits

  • Accepted worldwide at more than 24 million locations in over 210 countries

  • Mastercard Zero Liability

  • Mastercard Tap & GoTM

No Annual Fee

There is no annual fee with the Tangerine Money-Back Credit Card. However, certain transactions do involve a fee or attract interest charges if they remain unpaid after the statement due date:

Interest on overdue balances: 19.95%
Interest on Cash Advances: 19.95%
Foreign Currency Conversion: 2.50% is added to the converted transaction amount
Cash Advance: $3.50 within Canada, $5.00 outside Canada
Balance Transfer: 3.00% of the amount transferred, or minimum of $5.00
Balance Transfer Promo: 1.95% interest for the first 6 months
Dishonoured Payment: $25.00
Over-Limit: $25.00 (maximum one over-limit charge per monthly statement period)
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 do not 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 does not apply to Cash Advances.

Ready to apply?

Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank.

®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated.

Applicants will have to consent to a credit check as part of the application process. Accounts must be in Good Standing in order to receive Money-Back Rewards. View full Terms and Conditions here.

* This offer is only available to new applicants for the Tangerine Money-Back Credit Card who are approved for credit. A Promotional Rate of 1.95% will apply to any and all Balance Transfers made within the first 30 days of the Account opening, and will remain in effect for 6 Statement Periods from date the last such Balance Transfer was posted to the Account (the "Promotional Rate Period"). You must activate your Account within 45 days for the Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Balance Transfers may not exceed the available credit on the Account. If the Balance Transfer exceeds the available credit, the transaction will not be processed. A 1.00% Balance Transfer Fee will be charged on each Balance Transfer amount. 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 due dates shown on your monthly statements. If you still have an amount owing from your Balance Transfer when the Promotional Rate ends, the Cash Advance interest rate of 19.95% will apply. If you don't make 2 consecutive monthly minimum payments during the Promotional Rate Period, or at any time thereafter, an interest rate of 24.95% will apply. You must continue to make the Minimum Payments on your Credit Card, regardless of whether the Balance Transfer has been processed to your Account. Balance Transfers may not be used to transfer money to or from another Tangerine Money-Back Credit Card Account. Balance Transfers do not earn Tangerine Money-Back Rewards.