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Canada · personal card · Tangerine

Tangerine Money-Back Credit Card review

Earns 2% cash back in two categories you choose (a third if cash back is deposited to a Tangerine savings account) and 0.5% on everything else. Categories can be changed every 90 days.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply

Key facts

Issuer
Tangerine
Network
Mastercard
Annual fee
$0 (Free cards for up to 5 authorized users)
Welcome offer
Earn 10% cash back for 2 months (up to $100) on top of regular cash back
Purchase rate
20.95%
Cash advance rate
22.95%
Balance transfers
22.95%
Foreign transaction fee
2.5%
Minimum personal income
$12,000
Minimum household income
Not stated
Available in Quebec
Not stated
Insurance
Rental Car Collision/Loss Damage Insurance; Mobile Device Insurance; Purchase Assurance; Extended Warranty
Est. net value / yr
$150 ($150 rewards − $0 fee)

Rewards

Earns 2% cash back in two categories you choose (a third if cash back is deposited to a Tangerine savings account) and 0.5% on everything else. Categories can be changed every 90 days.

Earn rates the issuer states: base 0.5% · everyday 0.5%. 2% categories chosen by cardholder (e.g. grocery, gas); 2% applies in up to 3 categories with savings account deposit

Perks

Shell Go+ fuel savings up to 8 cents per litre; free authorized users (x5)

How we put this page together

Every figure here was read on Tangerine’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Offer end date not stated. Balance-transfer promo text per fee table. Quebec availability not stated.

Frequently asked questions

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

$0 (Free cards for up to 5 authorized users), as read on Tangerine’s website on October 7, 2026.

Is there a foreign transaction fee on the Tangerine Money-Back Credit Card?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the Tangerine Money-Back Credit Card?

The issuer states a minimum personal income of $12,000.

More Tangerine cards

  1. #1

    Tangerine Money-Back World Mastercard Tangerine

    Net $150/yr

    Earns 2% cash back in two categories you choose (third with a Tangerine savings account deposit) and 0.5% on everything else, with World Mastercard perks such as lounge access offers.

    Earn: base 0.5% · everyday 0.5%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $150
    Welcome offer
    Get $120 after spending $1,500 in the first 3 months
    Purchase rate
    20.95%
    Balance transfers
    22.95%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  2. #2

    Tangerine Rewards World Elite Mastercard Tangerine

    Net $180/yr

    Earns 1.5 Scene+ points per $1 in three categories you choose and 1 point per $1 on everything else. Includes lounge passes, travel insurances and Shell fuel savings.

    Earn: base 1 pts · everyday 1 pts

    Annual fee
    $120 ($30 per authorized user; up to 5 authorized users)
    Est. net value / yr
    $180
    Welcome offer
    50,000 Scene+ points after $5,000 net purchases within 90 days
    Purchase rate
    20.95%
    Balance transfers
    22.95%
    Foreign transaction fee
    Not stated
    Apply on issuer siteCard detailsRead October 7, 2026

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.