Cash BackNo Annual FeeMastercard

Tangerine Money-Back World Mastercard

Tangerine

Premium no-fee card with customizable 2% categories, mobile device insurance, and Shell fuel savings.

The Tangerine Money-Back World Mastercard 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: $120.

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) (Categories include Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel, Drug Store, Recurring Bills, Home Improvement, Transit/Parking, Fitness, E-Games, Foreign Currency); 0.5% cash back on All other purchases
Welcome offer: $120
Foreign transaction fee: 2.5%
Income requirement: $50,000 personal, or $80,000 household

How this score is calculated

Formula

Net annual value(50%)4.1
Welcome bonus(15%)1.5
Foreign transaction fee(10%)2.5
Insurance & perks(15%)2.5
Purchase interest rate(10%)3.0

What are the fees and rates?

Verified 2026-10-09

Annual Fee

Purchase Interest Rate

20.95%

Cash advance: 22.95%

Minimum Income

$50,000 personal

or $80,000 household

Foreign Transaction Fee

2.5%

What rewards does this card earn?

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

2 categories of your choice (3 with Tangerine Savings)

Categories include Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel, Drug Store, Recurring Bills, Home Improvement, Transit/Parking, Fitness, E-Games, Foreign Currency

2% cash back

All other purchases

0.5% cash back

Is there a welcome offer?

Yes. The listed welcome offer value is $120.

$120 Money-Back Rewards for $1,500 net purchases within 90 days of activation

Value: $120

Apply by November 30, 2026; activate within 45 days

Pros

No annual fee
2-3 customizable 2% categories
Insurance coverage including mobile device
Strong welcome bonus ($120)

Cons

Income requirements ($50K individual or $80K household)
Low 0.5% base rate

What perks are included?

No annual fee
Choose 2 categories for 2% (3rd with Tangerine Savings Account)
Change categories every 90 days
Up to 8¢/L value at Shell with linked Shell Go+
1.95% promo balance transfer rate for 6 statement periods on transfers in first 30 days
FlexiRoam 1GB international data plan

What insurance is included?

Mobile Device Insurance – Up to $1,000

Purchase Assurance – Lifetime max $60,000

Extended Warranty

Rental Car Insurance – Damage & theft

Frequently asked questions

What is the annual fee on the Tangerine Money-Back World Mastercard?

The Tangerine Money-Back World Mastercard has no annual fee.

What rewards does the Tangerine Money-Back World Mastercard earn?

2% cash back on 2 categories of your choice (3 with Tangerine Savings) (Categories include Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel, Drug Store, Recurring Bills, Home Improvement, Transit/Parking, Fitness, E-Games, Foreign Currency); 0.5% cash back on All other purchases