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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 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months (19.95% after that).*


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.



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.

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