Compare Tangerine credit cards

Our guide covers the different types of Tangerine credit cards that are available as well as the benefits and rewards offered by each. We also cover the eligibility requirements and how to apply for a credit card and, finally, we answer some frequently asked questions about Tangerine credit cards.

Compare Tangerine credit cards

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Name	Product	Purchase Interest Rate	Cash Advance Rate	Annual Fee	Minimum Income	Benefits with this card	Description
Tangerine World Mastercard		19.95%	19.95%	$0	$60,000	Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.	Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).	Go to site More Info	Compare	loading Fetching your data...
Tangerine Money-Back Credit Card		1.95% intro APR for the first 6 months, 19.95% thereafter	19.95%	$0	$12,000	Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.	Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).	Go to site More Info	Compare	loading Fetching your data...

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Tangerine Money-Back Credit Card

• Cash back rewards. Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
• Signup bonus. Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
• No annual fee. This card has no annual fee.
• Eligibility requirements. You’ll need to earn an annual income of $12,000.

Read our full review of the Tangerine Money-Back Credit Card here.

Tangerine World Mastercard

• Earn cash back. Earn unlimited 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and unlimited 0.5% cash back on everything else. Conditions apply.
• Signup bonus. Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
• Airport lounge access. This card comes with Mastercard Airport Experiences by LoungeKey, which gives you access to airport lounges in over 400 airports worldwide for a low fee.
• No annual fee. This card has no annual fee.
• Insurance coverage. This card protects you for up to 31 days in case you’re in an accident in a rental car, and also protects you if the rental car is lost or damaged. You can also insure your mobile device for up to $1,000. In order to be eligible for this insurance, you’ll need to have purchased your mobile device and your car rental using this credit card.
• Eligibility requirements. To be eligible for this card, you will need to earn a gross annual income of $60,000 or more or a gross household income of $100,000 or more.

Read our full review of the Tangerine World Mastercard here.

The benefits of banking with Tangerine

Mobile Wallets

Conveniently pay with your Tangerine credit card on your mobile device using any of the following apps: Apple Pay, Google Pay and Samsung Pay.

How to apply for a Tangerine credit card

If you’ve decided that you would like to apply for a Tangerine credit card, you can begin the application process by clicking the orange “apply now” button on the website. You will then be prompted to answer whether you are currently a Tangerine customer. If you are, then you will proceed to the application page. If you are not, you will be required to enter your Social Insurance Number (SIN) and employment information.

Before you begin your Tangerine credit card application, make sure that you meet the following eligibility requirements:

• Age. You need to be the age of majority in the province or territory you reside in.
• Residency. You need to be a permanent resident in Canada.
• Credit history. You need to be clear of any bankruptcies over the past seven years.
• Gross annual income. You need to meet the minimum gross annual income requirement for the card you’re applying for.

Information you will need for your application

If you meet all of the eligibility requirements, you can apply for your Tangerine credit card. During the application process, you may be required to provide the following information:

• Personal information. You will need to provide your full name, address and contact information. You may need to verify your identity by providing a valid form of identification, such as your driver’s licence or your passport.
• Employment information. You will need to provide your current, and possibly even previous, employment information.

Frequently asked questions about Tangerine credit cards

• How do I earn Money-Back Rewards through Tangerine credit cards?

  You can earn cash back on every $1 you spend on eligible purchases. The amount of cash back you’ll earn will depend on the spending category.

• What spending categories can I choose from?

  The categories to choose from include grocery, furniture, restaurants, hotel, gas, recurring bill payments, drug store, home improvement and entertainment as well as public transportation and parking.

• How much is the annual fee for a Tangerine credit card?

  There is no annual fee attached to either Tangerine credit card.

• Do I need to have another Tangerine product (i.e. savings or chequing account) to be eligible for a Tangerine credit card?

  You do not need to have any other Tangerine product to be eligible for a Tangerine credit card. However, you will need to sign up for a Tangerine account (not product) before you can apply for its credit card.

• Is there a cap on the Money-Back Rewards I can earn with this card?

  There is no limit on the Money-Back Rewards you can earn with either of these credit cards.

• Can I use this credit card in a foreign country?

  Yes, you can use your Tangerine credit card in a foreign country. However, you will incur a foreign currency conversion fee of 2.5% that will be added to the converted transaction amount.

• Can I get a cash advance with a Tangerine credit card?

  Yes, you can get a cash advance with a Tangerine credit card, but you will incur a $3.50 fee if the transaction is completed in Canada and a $5.00 fee if it is completed outside of Canada.