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Cash Back Credit Card

Unlike other credit cards, the Tangerine Money-Back Credit Card allows you to earn unlimited Money-Back Rewards on everyday purchases — with no annual fee.
Tangerine Money-Back Credit Card
Rewards Up to 2%
Annual fee $0
Money-Back Unlimited

Key Features

Earn cash back
Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all your other everyday purchases.
Earn extra Rewards
Get your Rewards deposited into your Tangerine Savings Account and get a 3rd 2% Money-Back Category.
Automatic earning
Money-Back Rewards are earned automatically on everyday purchases and paid monthly. These can be applied to your Credit Card balance or redeemed into your Savings Account.
No limits
No limit on the amount of Money-Back Rewards you can earn on your everyday purchases. Conditions apply.
Transfer and save
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).
Track and categorize your spending
Organize your transactions and stay on top of your spending, so you can see your financial habits and you’ll get a better idea of what you have left to spendleft to spend each month.
Free cards for Authorized Users on your Account
Mastercard® accepted worldwide at more than 24 million locations in over 210 countries
Mastercard Zero Liability
Mastercard Tap & GoTM
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2% Money-Back Categories
Recurring Bill Payments
Drug Store
Home Improvement
Public Transportation and Parking

Fees & Interest

$0 Annual fee
Fees & Interest
Interest on Purchases:
Balance transfer fee:
3.00% of the amount transferred,
or minimum of $5.00
Promotional Balance transfer interest rate:
1.95% interest for the
first 6 months (19.95% after that)
Foreign currency conversion:
Cash advance:
$3.50 within Canada, $5.00 outside Canada
Interest on Cash Advances:
Dishonoured payment:
Rush Card:
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.
Mobile Wallets
Convenient ways to pay with your Tangerine Client Card and Money-Back Credit Card.
Apple Pay
Apple Pay
Google Pay
Google Pay
Samsung Pay
Samsung Pay

Additional Card Benefits
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 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
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With a Tangerine Money-Back Credit Card we'll help you keep your spending on track.
We recently introduced a new enhancement to help you spend smarter. It looks at your Credit Card Account activity, along with other details you provide, and gives you information to help you stay up-to-date with your spending and make smart decisions with your money.
Become a Tangerine Client today

Don’t think this Account is for you? Take a look at our other options.
Learn More
Savings Account
Learn More
Check out these helpful articles

Rewards Promotional Offer:

*This Promotion is available only to new Tangerine Money-Back Credit Card Account holders who apply between April 22, 2019 and January 31, 2020, and activate their Credit Card no more than 45 calendar days from the date Tangerine approves the application.

During the Promotion, up to 3 chosen 2% Money-Back Categories will earn 4% money back for the 92-day period beginning on the date the Tangerine Money-Back Credit Card is activated. The Promotional rate of 4% money back doesn’t apply to Cash Advances (including Balance Transfers or Cash-Like Transactions). All other everyday purchase will earn 0.50% money back. All other Terms and Conditions for the Tangerine Money-Back Credit Card and the Tangerine Money-Back Rewards program remain unchanged.... If the chosen 2% Money-Back Categories are changed at any time during the 92-day period while this Promotion is in effect, the 4% Promotional rate will be automatically transferred to the new chosen categories.

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

®/™ 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.

This offer is only available to new applicants for the Tangerine Money-Back Credit Card who are approved. 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 the date the last such Balance Transfer is posted to the Account (the "Promotional Rate Period"). If you still have an amount owing from your Balance Transfer when the Promotional Rate ends, the Cash Advance interest rate (currently 19.95%) will apply. 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 won’t be processed. A 3.00% Balance Transfer Fee will be charged on each Balance Transfer amount. Interest doesn’t accrue on the Balance Transfer Fee, however it’s 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 don't make 2 consecutive monthly minimum payments during the Promotional Rate Period, or at any time thereafter, you will lose the benefit of this offer and an interest rate of 24.95% will apply to your Account including any Balance Transfers. You must continue to make the Minimum Payments on your Tangerine Money-Back Credit Card Account, regardless of whether the Balance Transfer has been processed to your Tangerine Money-Back Credit Card Account. Balance Transfers may not be used to transfer a balance to or from another Tangerine Account. Balance Transfers don’t earn Tangerine Money-Back Rewards. This offer may be changed, cancelled or extended at any time without notice.

1Insurance coverage is underwritten by American Bankers Insurance Company of Florida Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the Card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents.

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