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Tangerine Money-Back Credit Card

Tangerine

2.8 / 5Rating

Flexible no-fee card where you choose your own 2% cash back categories.

The Tangerine Money-Back Credit Card is a Tangerine Mastercard card with no annual fee. It earns 2% cash back on 2 categories of your choice (3 with Tangerine Savings). Listed welcome offer value: Up to $100 cash back.

Last updated October 9, 2026Source: issuer page

Key facts

Annual fee
$0
Purchase interest rate
20.95%
Cash advance rate
22.95%
Earn rates
2% cash back on 2 categories of your choice (3 with Tangerine Savings) (Unlimited); 0.5% cash back on All other purchases (Unlimited)
Welcome offer
Up to $100 cash back
Foreign transaction fee
2.5%
Income requirement
Not listed

How this score is calculated

Formula
  • Net annual value(50%)4.1
  • Welcome bonus(15%)1.3
  • Foreign transaction fee(10%)2.5
  • Insurance & perks(15%)0.0
  • Purchase interest rate(10%)3.0

What are the fees and rates?

Verified 2026-10-09

Annual Fee

$0

Purchase Interest Rate

20.95%

Cash advance: 22.95%

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The Tangerine Money-Back Credit Card earns 2% cash back on 2 categories of your choice (3 with Tangerine Savings).

2 categories of your choice (3 with Tangerine Savings)

Unlimited

2% cash back

All other purchases

Unlimited

0.5% cash back

Is there a welcome offer?

Yes. The listed welcome offer value is Up to $100 cash back.

10% cash back for first 2 months (up to $1,000 spend = $100 bonus)

Value: Up to $100 cash back

Apply by November 30, 2026

Pros

  • No annual fee
  • Customizable 2% categories
  • Can get 3rd category with Tangerine Savings Account
  • Balance transfer promotional rate available

Cons

  • Only 2-3 accelerated categories
  • Low 0.5% base rate
  • No insurance coverage

What perks are included?

  • No annual fee
  • Choose 2 categories for 2% cash back (or 3 with Tangerine Savings Account)
  • Change categories anytime
  • Save 3¢/L at Shell with linked account
  • 1.95% promotional balance transfer rate for 6 months

What insurance is included?

Purchase Protection

Frequently asked questions

What is the annual fee on the Tangerine Money-Back Credit Card?

The Tangerine Money-Back Credit Card has no annual fee.

What rewards does the Tangerine Money-Back Credit Card earn?

2% cash back on 2 categories of your choice (3 with Tangerine Savings) (Unlimited); 0.5% cash back on All other purchases (Unlimited)

What is the purchase interest rate on the Tangerine Money-Back Credit Card?

The purchase interest rate is 20.95%. The cash advance rate is 22.95%.

Is there a welcome offer on the Tangerine Money-Back Credit Card?

10% cash back for first 2 months (up to $1,000 spend = $100 bonus) Listed value: Up to $100 cash back.

Last updated October 9, 2026Source: issuer page

Annual Fee

$0

Apply Now

On Tangerine's secure website

Quick Facts

NetworkMastercard
Purchase APR20.95%
Cash Advance APR22.95%

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