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
Sources checked View 4 sources
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 categoriesSource
- 2% cash back
- Restaurants — one of 2 chosen categoriesSource
- 2% cash back
- Gas stations — one of 2 chosen categoriesSource
- 2% cash back
- Entertainment — one of 2 chosen categoriesSource
- 2% cash back
- Furniture — one of 2 chosen categoriesSource
- 2% cash back
- Hotels and motels — one of 2 chosen categoriesSource
- 2% cash back
- Drugstores — one of 2 chosen categoriesSource
- 2% cash back
- Recurring bill payments — one of 2 chosen categoriesSource
- 2% cash back
- Home improvement — one of 2 chosen categoriesSource
- 2% cash back
- Public transportation and parking — one of 2 chosen categoriesSource
- 2% cash back
- Foreign-currency spend — one of 2 chosen categoriesSource
- 2% cash back
- Fitness and sports clubs — one of 2 chosen categoriesSource
- 2% cash back
- E-games — one of 2 chosen categoriesSource
- 2% cash back
- All other eligible purchasesSource
- 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
Check issuer offers ↗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.
Read the issuer’s full terms ↗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
TermsLinked Shell Go+ fuel savings, subject to litre limits and account linking
Terms
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
Read the sourceSimilar 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 compareSources
Card terms and last checked dates
- tangerine.ca · 2 Money Back Rewards Program Terms and Conditions FINAL ↗Issuer source · Checked Sep 2, 2026
- itools-ioutils.fcac-acfc.gc.ca · SearchFilter eng.aspx ↗Regulator · Checked Sep 2, 2026
- tangerine.ca · credit card cardholder agreement ↗Issuer source · Checked Sep 2, 2026
- tangerine.ca · money back credit card ↗Issuer source · Checked Sep 2, 2026
Page updated Sep 8, 2026. Card terms were last checked on the dates above.
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