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

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

No Annual Fee Credit Cards

Tangerine’s Credit Cards earn you cash back, making it easier to save money on your everyday purchases, but you also avoid extra costs as our Cards have no annual fee.

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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

$392,000,000

In cash back rewarded to Clients since 2015

2% cash back

In up to 3 customizable categories

Compare Tangerine’s Best No Annual Fee Credit Cards

Get unlimited monthly Cash Back Rewards on everyday purchases, with customizable categories and Mastercard benefits, all with No Annual Fee

Money-Back Credit Card

Your everyday Credit Card with no annual fee.

Eligibility: $12,000 personal income

2%

Cash back in up to 3 categories

0.5%

On everything else

World credit card and phone

World Mastercard®

Your everyday Credit Card with additional lifestyle benefits and no annual fee.

Eligibility: $50,000 personal income or $80,000 household income

2%

Cash back in up to 3 categories

0.5%

On everything else

World credit card and phone
 Money-BackWorld
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 Block15% off20% off
↳ Fubo TV15-
Mobile device insurance-
Extended warranty5
Purchase protection5
Rental car insurance5-
Free Authorized Users (x5)
Eligibility$12,000 personal income$50,000 personal income or $80,000 household†

 

 

Start earning cash back with a no annual fee Credit Card

Apply in minutes - With our Credit Cards, it’s easy for you to earn cash back on your everyday purchases and save money.

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

E-Games

Coming soon

Fitness and Sports Clubs

Coming soon

Foreign Currency Spend

Coming soon

Fees & Interest

All fees and interest are the same for both Tangerine Credit Cards.

 Fees & Interest
Account Fee

$0

Interest rate on purchases20.95%
Regular Balance Transfer fee3% of the amount transferred, or minimum of $5.00 
Promotional Balance Transfer fee111% of the amount transferred
Promotional Balance Transfer interest rate111.95% 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 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 app3and add your Tangerine 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

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.

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.

Sticky Notes

Credit Card FAQs

Click here to apply for the World Mastercard
Click here to apply for the Money-Back Credit Card


You can 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.

Click here to apply for the World Mastercard
Click here to apply for the Money-Back Credit Card


You can 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.

Yes! You can download the Mobile Banking app on the Google Play Store or App Store.

If your Tangerine Credit Card is lost or stolen:

1. Log in if you haven’t already and select your Credit Card

2. Click the ‘Lock Card’ button and follow the steps from there

If you’re on a mobile device, here's how:

1. Select your Credit Card Account.

2. Tap ‘Manage Card’ and select ‘Lock Card’ and follow the prompts from there.

This will stop any new activity on your Card from the date you select this feature.

Once it’s locked, if you can’t find your Card, please call us at 1-888-826-4374.
If you’re travelling outside Canada or the U.S., you can call us collect at 416-758-3139. We'll issue a replacement Card, and it should arrive within 5 to 7 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.

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.

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.