Compare Tangerine credit cards

Looking for the best Tangerine credit card for your lifestyle? Our guide below covers the different Tangerine credit cards available and their benefits and rewards. We also cover Tangerine credit card requirements, how to apply for a Tangerine credit card and compare the two different Tangerine credit card categories.

Compare Tangerine credit cards

Tangerine World Mastercard

Credit recommended (600-) Apply now on Tangerine's secure site

600
Min. credit score

$0
Annual fee

Up to 2%
Cash back

15% cash back
Welcome offer

• Info
• Pros & cons
• Details

If you're looking for a $0 annual fee credit card with unlimited cash back rewards and a competitive balance transfer offer, then the Tangerine World Mastercard could be right for you. 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. Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).

• Annual fee. This card has a $0 annual fee.
• Additional cardholders. Add up to 5 additional cardholders for $0.
• Earn rewards. 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.
• Earn even more. You can unlock cashback offers while travelling outside of Canada and get rebates which you can apply to your statement with Mastercard Travel Rewards by using your card at select merchants.
• Balance transfer. Get a 1.95% interest rate on balance transfers for the first six months. To take advantage of this offer, you must complete the Balance Transfer request within 30 days of account approval and activate your card within 45 days of approval. A 1% balance transfer fee will be charged on each transferred amount (the fee is waived by Tangerine if you're a resident of Quebec).
• Travel perks. You'll get complimentary membership to Mastercard® Airport Experiences Provided by LoungeKey, which comes with exclusive dining, retail and spa offers in over 400 airports around the world and access to over 1,000 lounges at $32 USD per visit. Plus, never be without internet since your card gives you access to over 1 million Wi-Fi hotspots around the world with Boingo Wi-Fi.
• Rental car. Charge the full cost of a rental vehicle to your card, and get complimentary damage and theft protection for up to 31 consecutive days.
• Apps and subscription access. As a cardholder, you'll have access to special benefits and offers from on-demand apps and subscription services.

• Minimum income requirement. You need a minimum personal income of $60,000 or a combined household income of at least $100,000 to apply for this card.
• Foreign transaction fee. You'll face a foreign transaction fee of 2.5% every time you use your card overseas or online with international retailers.
• Limited travel benefits. Though this card offers some nice travel perks, it doesn't come with many of the travel benefits offered by more premium credit cards such as complimentary travel insurance, free flight and hotel upgrades and discounted car rentals.

Annual Fee	$0
Purchase APR	19.95% fixed
Balance transfer APR	1.95% intro for the first 6 months (then 19.95% fixed)
Welcome offer	Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021.
Rewards	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.

Tangerine Money-Back Credit Card

Credit recommended (600-) Apply now on Tangerine's secure site

600
Min. credit score

$0
Annual fee

Up to 2%
Cash back

15% cash back
Welcome offer

• Info
• Pros & cons
• Details

As a cash back credit card, the Tangerine Money-Back Credit Card helps you earn cash rewards on your everyday purchases, with accelerated rewards where you spend the most. 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. Categories include groceries, gas, restaurants, hotels, recurring bill payments, drug store, home improvement and entertainment. Plus, get access to a 1.95% interest rate on a balance transfer for the first 6 months. Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021. Plus, get a 1.95% interest rate on balance transfers for the first 6 months (valid within the first 30 days of account opening, 1% transfer fee applies).

• Earn rewards fast. 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.
• Annual fee. This card comes with a $0 annual fee.
• Balance transfer rate. Get a 1.95% interest rate on balance transfers for the first six months. To take advantage of this offer, you must complete the Balance Transfer request within 30 days of account approval and activate your card within 45 days of approval. A balance transfer fee equaling the greater of 3% or $5 will be charged on each transferred amount (fee is waived by Tangerine if you're a resident of Quebec).
• Minimum income requirement. This card has a relatively low minimum income requirement of $12,000.

• Low return on other purchases. Receive only 0.5 cash back on all other categories of spending.
• Currency conversion. You'll pay a foreign transaction fee of 2.5% on all overseas purchases.
• Missed payment fee. You'll pay a 24.95% rate on missed payments.
• Balance trasnfer fee. Pay a balance transfer fee of 3% of the total transferred amount or $5, whichever is greater.

Annual Fee	$0
Purchase APR	19.95% fixed
Balance transfer APR	1.95% intro for the first 6 months (then 19.95% fixed)
Welcome offer	Earn an extra 15% cash back (up to $150) on up to $1,000 of everyday purchases in the first 2 months Until November 30, 2021.
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.

The benefits of a Tangerine credit card

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 Tangerine credit card 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 with a Tangerine credit card?

  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.