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Cash Back Calculator

Estimate your Money-Back Rewards, with 2% in up to 3 customizable categories and 0.5% on all other purchases.

How to calculate your cash back

Find out how much you could earn in Money-Back Rewards based on your spending.

2% Money-Back Rewards categories

Grocery

Restaurants

Gas

Entertainment

Furniture

Hotel-Motel

Drug Store

Recurring Bill Payments

Home Improvement

Public Transportation and Parking

Fitness and Sports Clubs

Coming Soon

E-Games

Coming Soon

Foreign Currency Spend

Coming Soon

Grocery

Restaurants

Gas

Entertainment

Furniture

Hotel-Motel

Drug Store

Recurring Bill Payments

Home Improvement

Public Transportation and Parking

Fitness and Sports Clubs

Coming Soon

E-Games

Coming Soon

Foreign Currency Spend

Coming Soon

Grocery

Restaurants

Gas

Entertainment

Furniture

Hotel-Motel

Drug Store

Recurring Bill Payments

Home Improvement

Public Transportation and Parking

Fitness and Sports Clubs

Coming Soon

E-Games

Coming Soon

Foreign Currency Spend

Coming Soon

0.5% on everything else

Everything else

Total Monthly Spend

$2,000

Lifestyle benefits

Tangerine World Mastercard®

Estimated cash back

$32

Monthly

$390

Annually

Get a third 2% category by having your Money-Back Rewards deposited into a Tangerine Savings Account.

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.

Sticky Notes

FAQs

Got questions? We’ve got answers.

Just log in, select your Credit Card Account, and click ‘Rewards’. From there, you can:

  • See your Money-Back Rewards earned to date or since your last statement.
  • View how much cash back you’ve earned in each category.
  • Change your 2% categories every 90 days by clicking ‘Change Categories’ in the ‘Rewards’ section.
     

Calculating the cash back is straightforward. Just multiply the amount you spent by the cash back rate for that purchase. 

Cash back = amount purchased × percentage cash back
 

It works like this: Cash back = $1,000 × 2% That means you’d earn $20 in Money-Back Rewards on that purchase.
 

There’s no limit. You’ll keep earning Money-Back Rewards on eligible purchases, no matter how much you spend.
 

Nope, Money-Back Rewards are paid automatically with no fees deducted.
 

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.

This tool is for informational purposes only and should not be relied upon as financial or other advice, for both the Tangerine World Mastercard and Money-Back Credit Card. All estimated and displayed rewards, values and calculations are based on the information you provide and the current Rewards offerings available through Tangerine. Actual Rewards and values may vary depending on factors such as Account activity, payments and Bonus offers. Potential Rewards are estimates only. Terms and conditions apply to the Money-Back Rewards program, which should be reviewed carefully. All rates, fees, features, Rewards program details, Bonus offers and benefits and related terms and conditions are subject to change.

Rewards on Tangerine Credit Cards are not earned on Cash Advances (including Balance Transfers or cash-like transactions), returns, refunds or similar credits, fees or interest. Other exclusions may apply. See the Tangerine Money-Back Rewards Program Terms and Conditions for full details.