Tangerine World Mastercard®

The Tangerine World Mastercard is a cash back Credit Card. It has all the great features of the Tangerine Money-Back Credit Card, like personalized categories, unlimited Money-Back Rewards deposited into your Account monthly and no annual fee, plus additional benefits.


Up to 2%

Annual fee




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Key Features of a Tangerine World Mastercard®

Earn cash back
Earn 2% Money-Back Rewards 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 third 2% Money-Back Category.
Boingo Wi-Fi for Mastercard®*
Your Tangerine World Mastercard keeps you connected with access to over 1 million Wi-Fi hotspots around the world with Boingo Wi-Fi
Mastercard® Travel Rewards*
With Mastercard Travel Rewards, you can unlock cashback offers and get a rebate applied directly to your statement, by using your Tangerine World Mastercard at select merchants that accept Mastercard while travelling outside of Canada
On-Demand and Subscription Services*
Save on the things you love with your Tangerine World Mastercard. Enjoy special benefits and offers from a growing lineup of on-demand apps and subscription services made available to you as a Tangerine World Mastercard cardholder.
Mastercard® Travel Pass Provided By DragonPass***
Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at Mastercard® Travel Pass.
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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.
Easy online Pause My Card feature–in case you need it
If you ever think you’ve lost or misplaced your Card, there’s no need to panic. With a couple quick clicks, you can temporarily suspend it.
Transfer and save
During your first 30 days, transfer balances and pay an interest rate of only 1.95% on the transferred balance for the first 6 months (19.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.
No limits
No limit on the amount of Money-Back Rewards you can earn on your everyday purchases. Conditions apply.
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 Zero Liability
Mastercard® accepted worldwide at more than 24 million locations in over 210 countries.
Mastercard Tap & GoTM

New Features


Braille Card identifier

Identify and orient your Tangerine Credit Card by touch using the Braille letter C. This important change can help make using the Card just a bit easier for everyone.

2% Money-Back Categories

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


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

Choose from:

Recurring Bill Payments
Drug Store
Home Improvement
Public Transportation and Parking

Fees & Interest

There is $0 annual fee with the Tangerine World Mastercard®
Information about account fees and interest charges
Interest Rate on Purchases: 19.95%
Balance transfer fee: 3% 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: 2.50%
Cash advance: $3.50 within Canada, $5.00 outside Canada
Interest on Cash Advances: 19.95%
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.

Mobile Wallets

Convenient ways to pay with your Tangerine Client Card and World Credit Card.
Apple Pay
Google Pay
Samsung Pay

Additional Card Benefits

Purchase Assurance and Extended Warranty footnote ** – 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

Play Left To Spend Tutorial video

With a Tangerine World Mastercard 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
Open an Account

Don’t think this Account is for you? Take a look at our other options.

Money-Back Credit Card
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Learn More
Savings Account
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Legal Stuff
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.
*Certain terms, conditions and exclusions apply. For full Mastercard World Benefit terms, visit mastercard.ca/world. For additional terms applicable to Boingo Wi-Fi for Mastercard, visit www.boingo.com/legal/end-user-license-agreement-boingo-customer-agreement/. For additional terms applicable to Mastercard Travel Rewards, visit mtr.mastercardservices.com/en/tnc. All Mastercard World Benefits are provided by Mastercard International or its affiliates or other third parties. Tangerine Bank is not responsible for any Mastercard World Benefits.
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 and Cash Advances (including Balance Transfers) is 19.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 24.95% will apply to your Account on Purchases and 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.
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 19.95% 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. 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.
**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.
***Offers vary by location. More details are available at Mastercard® Travel Pass or the Mastercard app. For full terms and conditions of use, go to mastercardtravelpass.dragonpass.com/terms-of-use. The Mastercard Airport Experiences offers are made available to you through Mastercard. Tangerine Bank is not responsible for the Mastercard Airport Experiences or any offers made available under those offers. Fees for this benefit are subject to change by Mastercard.
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.
Any of these offers may be changed or cancelled at any time without notice.
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.
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