wealthgeist
Cash back · Mastercard
Tangerine Money-Back Credit Card
Cash back without an annual fee. Compare the earn rates and conditions with where you shop.
- Annual fee
- $0
- Foreign transaction fee
- 2.5%
- Purchase APR
- 20.95%–25.95%
Free · No account needed
Card details reviewed
You prefer cash back and spend at merchants that qualify for the listed rates.
A different card may earn more at your usual stores. Interest can outweigh rewards if you carry a balance.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Calculate with my spendingAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- Grocery stores — one of 2 chosen categories
- 2% cash back
- Restaurants — one of 2 chosen categories
- 2% cash back
- Gas stations — one of 2 chosen categories
- 2% cash back
- Entertainment — one of 2 chosen categories
- 2% cash back
- Furniture — one of 2 chosen categories
- 2% cash back
- Hotels and motels — one of 2 chosen categories
- 2% cash back
- Drugstores — one of 2 chosen categories
- 2% cash back
- Recurring bill payments — one of 2 chosen categories
- 2% cash back
- Home improvement — one of 2 chosen categories
- 2% cash back
- Public transportation and parking — one of 2 chosen categories
- 2% cash back
- Foreign-currency spend — one of 2 chosen categories
- 2% cash back
- Fitness and sports clubs — one of 2 chosen categories
- 2% cash back
- E-games — one of 2 chosen categories
- 2% cash back
- All other eligible purchases
- 0.5% cash back
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
Using your rewards
Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.
Welcome offer
10% bonus cash back on up to $1,000 in purchases during the first 60 days
Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $0
- Additional card
- $0
- Purchase interest rate
- 20.95%–25.95%
- Cash advance interest rate
- 22.95%–27.95%
- Foreign transaction fee
- 2.5%
Who can apply?
- Personal income
- $12,000
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
More fees and conditions
1200000
Required
7
Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Third 2% category when rewards are deposited to a Tangerine Savings Account
Linked Shell Go+ fuel savings, subject to litre limits and account linking
Insurance & purchase protection
Coverage has eligibility rules, limits and exclusions. The insurance certificate controls.
Purchase protection extended warranty
90-day purchase assurance and extended warranty up to one additional year
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is Tangerine Money-Back Credit Card worth the annual fee?
There’s no annual fee, but another card may reward your spending more. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compare