Credit Card Offer : Get a bonus 10% cash back (up to $100) for the first 2 months¹⁰

Money-Back Credit Card

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

Unlimited

Cashback monthly

Annual fee

Special Offer

Earn 10% cash back¹⁰ for 2 months (Up to $100)

That’s on top of regular cash back. Plus, get a promo rate on balances you transfer for a limited time. Learn More

Apply Now

$0

Annual Fee

20.95%

Purchase Interest Rate

22.95%

Cash Advance Interest Rate

Compare Tangerine’s Best No Annual Fee Credit Cards

Which Tangerine Credit Card suits you best? If you’re looking to get additional benefits, our Money-Back World Mastercard^®* could be ideal!

Features
Fees & Interest

	Money-Back	World
No annual fee
Two 2% unlimited cash back categories
Unlock a third 2% category
0.5% on everything else
Additional Benefits
↳ FlexiRoam¹⁴	-
↳ DragonPass¹⁶	-
↳ H&R Block¹⁷	15% off	20% off
↳ Fubo TV¹⁵	-
Mobile device insurance⁵	-
Extended warranty⁵
Purchase protection⁵
Rental car insurance⁵	-
Free Authorized Users (x5)
Eligibility	$12,000 personal income	$50,000 personal income or $80,000 household†

There is no annual fee with the Tangerine Money-Back Credit Card.

	Fees & Interest
Account Fee	$0
Interest rate on purchases	20.95%
Regular Balance Transfer fee	3% of the amount transferred, or minimum of $5.00
Promotional Balance Transfer fee¹¹	1% of the amount transferred
Promotional Balance Transfer interest rate¹¹	1.95% 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 conversion	2.50%
Cash Advance	$3.50 within Canada, $5.00 outside Canada
Interest on Cash Advances	22.95%
Dishonoured payment	$25.00
Over-Limit	$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.

Change your 2% categories to match your
spending habits!

Choose two 2% categories to maximize your unlimited cash back where
you spend the most, like groceries or gas. You can change them to match your
spending habits every 90 days^◊.

Calculate your rewards based on your habits

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:

Uncomplicated Credit Card features & benefits

Learn more about some of the Money-Back Credit Card benefits and features.

Apply Now

Free Authorized Users (x5)

Free Cards for up to 5 Users - which means more opportunities for cash back for you

Purchase Assurance and Extended Warranty⁵

You may receive a lifetime maximum of up to $60,000.

Join with our app

Become a Client completely digitally with our Mobile Banking app³and add your Tangerine Money-Back credit Card 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.

4.6

100,000+ Reviews⁴

Signing up on Web is cool too!

Money-Back Credit Card FAQs

A no annual fee cash back credit card lets you earn cash back on your purchases, without paying a flat fee each year. With the Tangerine Money-Back Credit Card, you earn 2% cash back in up to three customizable categories + 0.5% back on all other purchases. It’s another way to help you save while you’re spending.

Every purchase you make using your Tangerine Credit Card earns you cash back. Rewards are paid automatically each month, either directly back to your Credit Card Account or deposited to your Tangerine Savings Account. If you choose to receive them in your Credit Card Account, you get two 2% Categories. And if you opt to have them deposited in your Savings Account, you get a third 2% Category. You can change them to match your spending habits every 90 days^◊.

These new categories will be available October 25th, 2025.

Be sure to note the effective date—your updated selections won’t apply retroactively, but they’ll kick in at the beginning of your next monthly Statement period.

You can update your categories every 90 days, so feel free to revisit them as your lifestyle or priorities change. It’s all about making your Rewards work for you.

Once you're logged in, select your Credit Card Account and go to 'Rewards'. There, you’ll be able to see your Rewards earned.

There are two options for receiving your Rewards:

You can have the cash back applied to your Credit Card, in which case they're applied against the balance owing. This option gives you two 2% categories.
You can have the Rewards deposited to your Tangerine Savings Account, where they're treated just like regular cash deposits and earn interest. With this redemption option, you can choose three 2% categories.

Rewards are automatically applied to your Account on your statement date each month.

Yes, you can use your unlimited 2% cash back rewards in 2 categories of your choice (+ 0.5% back on everything else) against your balance owing. If you add a third 2% cash back rewards category, all of your cash back rewards will be deposited into your Tangerine Savings Account.

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.

⁵Benefits 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 Money-Back World Mastercard^®, 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.

^†In addition to Tangerine’s credit approval criteria, new applicants for the Money-Back World Mastercard^® Credit Card Account must meet one of the following minimum criteria: $50,000 gross annual income, $80,000 gross household income, or $250,000 in Tangerine Savings Accounts(s) and/or Investment Fund Accounts(s).

⁶ Certain terms, conditions and exclusions apply. For full Mastercard World Benefits terms, visit mastercard.ca/world. All Mastercard World Benefits are provided by Mastercard International or its affiliates or other third parties and are subject to change. Tangerine Bank is not responsible for any Mastercard World Benefits.

¹⁴FlexiRoam: Valid from 10/01/2024 and can be redeemed once per calendar year. Eligible Money-Back World Mastercard^® cardholders can redeem a FlexiRoam eSIM and a 1GB of global^** data roaming, and Mastercard World Elite cardholders can redeem a FlexiRoam eSIM and a 3GB of global** data roaming plan at no additional cost by using your eligible Mastercard payment card (the "Program Benefit"). Eligible cardholders will need to register by creating a FlexiRoam account. To determine eligibility, enter your full 16-digit Mastercard card number when prompted in the FlexiRoam Mobile Application or on the FlexiRoam website. Upon verification of your eligibility, you must complete the full enrollment process to utilize the Program Benefit.

The FlexiRoam eSIM and the 1GB or 3x1GB global data roaming plans must be activated within the calendar year following enrollment and each will be valid for 5 days from the date of activation.

Benefit can only be redeemed once. For subsequent purchases, a 15% discount will be automatically applied.

Terms, conditions, pricing, special features, and service and support options subject to change or cancellation without notice. Mastercard reserves the right to modify or cancel this Program Benefit at any time without notice. In order to redeem the Program Benefit, you acknowledge that you are entering into an agreement with FlexiRoam. By agreeing to the terms thereof, you acknowledge and agree that neither Mastercard nor any participating financial institution card issuer has any involvement or responsibility for the provision of any FlexiRoam benefit, subscription, products or services and are not responsible for any claims or damages arising from their use thereof.

This Program Benefit is non-transferable and may be terminated for any breach of the FlexiRoam terms and conditions. The offer cannot be combined with any other FlexiRoam offer. Your use of the Program Benefit is subject to FlexiRoam’s terms and conditions and other applicable legal terms and conditions available at https://www.flexiroam.com/terms-and-conditions/. Additional eligibility restrictions, exclusions and terms apply. See full terms and conditions.

The following cards issued in Canada: Money-Back World Mastercard^® and World Elite Mastercard, if eligible. Check here for eligibility: mastercard.flexiroam.com/canada.

Cardholders cannot data roam using FlexiRoam in North Korea, Ukraine, Western Sahara & Tanzania.

¹⁵Fubo TV: Eligible Mastercard* cardholders who are new subscribers** of Fubo will receive a C$30 discount on Fubo Canada Sports quarterly plan when they pay with their Eligible Mastercard. Offer not available to Quebec-based cardholders. The offer is valid one time only. Each eligible World and World Elite cardholder will receive the C$30 discount on his or her first payment only (total first quarterly payment with discount applied will be equal to C$49.97*** + applicable taxes) and thereafter, the quarterly subscription will automatically renew at a cost of C$79.97*** per quarter + applicable taxes until cancellation. To access the offer and subscribe to a Fubo Sports Quarterly plan, you must register at https://fubo.tv/stream/ca/mastercard. The $30 discount on the Sports Quarterly plan will be deducted from the cost of the plan at the time of checkout. Additional taxes may be applied.

Additional terms and conditions apply. Your subscription is subject to Fubo’s Terms of Service and Privacy Policy available at: Fubo Terms of Service. Terms, conditions, subscription pricing, features, programming, and service and support options subject to change without notice. You can cancel your subscription through your Account Page at any time before renewal, visit Fubo TV website (My Account). In the event of cancellation, no credits or refunds will be provided for subscription fees already paid. Mastercard and Fubo reserve the rights to modify or end this offer at any time and for any reason, without notice.

Neither Mastercard or any participating financial institution card issuer has any involvement in or responsibility for the provision of any Fubo subscriptions, products, or services, and are not responsible for any arising claims or damages.

^*The following cards issued in Canada: Money-Back World Mastercard^®, World Elite Mastercard, and Muse by Mastercard if eligible. Check here for eligibility: https://fubo.tv/stream/ca/mastercard. Offer not available to Quebec-based cardholders.

^**A “new subscriber” eligible for the one-time C$30 discount is someone who has not registered for Fubo services previously as determined solely by Fubo. Subscribers who have a subscription to Fubo services would not be eligible to redeem this offer.

^*** Price subject to change. Visit checkout page or My Account page for current subscription price.

¹⁶ Mastercard Travel Pass: Certain terms, conditions and exclusions apply. For full details, please visit: https://mastercardtravelpass.dragonpass.com/terms-and-conditions.

Any of these offers may be changed or cancelled at any time without notice.

¹⁷ H&R Block

Offer available from October 1, 2024, until September 30, 2026. Offer valid only for eligible Mastercard cardholders on the purchase of one individual or coupled tax Online Tax Service and Assisted Tax Preparation. At participating locations only. Some conditions may apply. Applicable tax extra. Payment must be completed with the cardholder’s eligible Mastercard. Applicable discount will be deducted at time of checkout before taxes are applied. Offer valid only on the purchase of a paid version of the current year and does not apply to add-ons available. Cannot be applied to past transactions or previous version of the tax software. No cash surrender or other value. May not be combined with any other discount offer. Additional terms and conditions apply, please visit: https://www.hrblock.ca/legal/terms-conditions/hr-block-software-terms-conditions. Terms, conditions, pricing, features, and service and support options subject to change without notice. Mastercard and HRBC reserves the right to modify or end this offer at any time, without notice. Conditions apply. HRBC Products and Services are not provided by Mastercard. By purchasing HRBC Products and Services, the client agrees that the legal relationship will be with HRBC and not Mastercard. By agreeing to the terms thereof, you acknowledge and agree that neither Mastercard nor any participating financial institution card issuer has any involvement in or responsibility for the provision of any HRBC Subscriptions, Products, or Services, and are not responsible for any claims or damages arising thereof.

¹⁰ 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 January 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.

¹¹Balance 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.

^◊ 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”.

³ Some conditions may apply. Service is subject to availability and successful digital verification.

⁴ As of May 21, 2025 there were 44.7K reviews with an average rating of 4.5 from the Google Play Store and 72.5K reviews with an average rating of 4.8 from the App Store.

^® App Store is a registered trademark of Apple Inc., registered in the U.S. and other countries.

^™ Google Play is a trademark of Google LLC.

^® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries.

™ Google Pay is a trademark of Google LLC.

^® Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

^®*World Mastercard and Mastercard are registered trademarks of Mastercard International Incorporated.

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

Popular Searches

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Money-Back Credit Card

Earn 10% cash back¹⁰ for 2 months (Up to $100)

$0

20.95%

22.95%

Compare Tangerine’s Best No Annual Fee Credit Cards

Change your 2% categories to match your
spending habits!

Choose two 2% categories

+

Unlock a third 2% category

Categories to choose from:

Uncomplicated Credit Card features & benefits

Free Authorized Users (x5)

Purchase Assurance and Extended Warranty⁵

Join with our app

4.6

Money-Back Credit Card FAQs

Popular Searches

Hmmm... We didn’t catch that.

Try again

Money-Back Credit Card

Earn 10% cash back10 for 2 months (Up to $100)

Are you already a Client?

Do you meet the eligibility requirements?

Do you meet the eligibility requirements?

$0

20.95%

22.95%

Compare Tangerine’s Best No Annual Fee Credit Cards

Change your 2% categories to match your spending habits!

Choose two 2% categories

+

Unlock a third 2% category

Categories to choose from:

Uncomplicated Credit Card features & benefits

Free Authorized Users (x5)​

Purchase Assurance and Extended Warranty​5

Join with our app

4.6

Money-Back Credit Card FAQs

What’s a no annual fee cash back credit card?

How do the cash back Rewards work?

Where can I see how much cash back I’ve earned?

How do I get my cash back payout?

Can I use cash back to pay off my Credit Card?

Legal Stuff

Earn 10% cash back¹⁰ for 2 months (Up to $100)

Change your 2% categories to match your
spending habits!

Free Authorized Users (x5)

Purchase Assurance and Extended Warranty⁵