Skip to main content Skip to chat

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

Money-Back Credit Card

  • Unlimited 2% cash back in 2 categories of your choice + 0.5% back on everything else
  • Up to 2% Money-Back Rewards deposited into your Account monthly

$0

Annual fee 

20.95%

Purchase Interest Rate

22.95%

Cash Advance Interest Rate

star

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
Apply Now

Are you already a Client?

Log in if you already bank with us, or take just a few minutes to sign up and become a client.

Do you meet the eligibility requirements?

  • Gross annual income of $12,000 or more

You must also be at least the age of majority and a Canadian resident with no bankruptcy in the past 7 years.

 

Log in or sign up to become a Client.

Do you meet the eligibility requirements?

  • Gross annual income of $12,000 or more

You must also be at least the age of majority and a Canadian resident with no bankruptcy in the past 7 years.

No annual fee

It’s another way to help you save while you’re spending.

Unlimited 2% cash back in 2 categories of your choice + 0.5% back on everything else

Easily customize categories to suit your needs and automatically receive your Money-Back Rewards every month.

Uncomplicated Card benefits5

  • Purchase Assurance and Extended Warranty
  • Free Cards for up to 5 users - no annual fee for those Cards
  • Track and categorize your spending

Transfer and save

During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.11

Set your sights on the season

Change your cash back categories to suit your spending. 

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◊.

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

 

 

Tangerine benefits⁵

Purchase Assurance and Extended Warranty

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

Add up to 5 users on one Account

Add up to 5 people – one Account, multiple Cards, no annual fee for those Cards.

Track & categorize your spending

Organize your transactions and get a better idea of your spending each month with Left to Spend. Discover Left to Spend.

Stay updated with Orange Alerts

Customize your alert preferences to receive important Account alerts through text or email.

Mobile Wallets

Add your Tangerine Client Card and Credit Card to your Apple Pay, Google Pay, and Samsung Pay mobile wallets and use it where contactless payments are accepted

Fees & Interest

Annual fee$0
Interest Rate on Purchases:20.95%
Balance transfer fee:3.00% of the amount transferred, or minimum of $5.00
Promotional Balance transfer interest rate111.95% interest for the first 6 months (22.95% after that)
Foreign currency conversion2.50%
Cash advance$3.50 within Canada, $5.00 outside Canada
Interest on Cash Advances22.95%
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.

Join with our app

Become a Client completely digitally with our Mobile Banking app3. Sign up without leaving your home or having to call us—it’s a fast, convenient and secure mobile experience.

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

4.6

43,000 Reviews4

4.7

71,000 Reviews4

QR Code to download our App

Signing up on Web is cool too!

Take a look at our other products

Tangerine Line of Credit

Money that's always there to borrow when you need it, with the flexibility to repay and reuse at your own pace. 

No-Fee Daily Chequing Account

No fees for daily chequing transactions, no minimum balance requirements, and earn interest.



 

Please be aware that there may be a delay in your Card delivery due to a potential postal disruption. However, there should be no impact on the limited-time 10% cash back promotional offer for your Account as long as you activate your Card within 45 days of the date your Credit Card application was approved. Purchases posted to your Account within 60 days from the date your Card is activated will be eligible for the bonus 10% cash back, up to a maximum bonus of $100. See full offer terms at https://www.tangerine.ca/en/offers/credit-card-cash-back-offer-world.

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.

5 Purchase Assurance and Extended Warranty: For most new purchases made anywhere in the world using your Tangerine 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.

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

® 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.

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.

Mastercard and the circles design are registered trademarks, and True Name is a trademark 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.

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 August 31, 2025, (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.

11 Balance 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.