Tangerine credit cards

Looking for the best Tangerine credit card for your lifestyle? Our guide below covers the different Tangerine cards available and their benefits and rewards. We also cover Tangerine credit card requirements, how to apply for a Tangerine card and go through the main Tangerine credit card categories you can select to earn higher cash back return rates.

Compare Tangerine cards

Welcome Offer	Rewards	Annual Fee
Finder Rewards Exclusive Tangerine Money-Back Credit Card	Bonus 10% cash back	Up to 2% cash back	$0	ENDS SOON! $200 DIGITAL VISA CARD REWARD 1 Join Finder 2 Get a Tangerine Money-Back Credit Card 3 Get a digital Visa gift card from Finder Ends by. T&Cs apply.	Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2026. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it 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 Tangerine credit card 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 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2026. Pros & cons Pros Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2026. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. Earn 2% cash back in two Tangerine credit card 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. $0 annual fee Balance transfer offer of 1.95% for the first 6 months Cons Receive only 0.5 cash back on all other categories of spending You'll pay a foreign transaction fee of 2.5% on all overseas purchases Pay a balance transfer fee of 1% of the total transferred amount or $5, whichever is greater
Finder Rewards Exclusive Tangerine Money-Back World Mastercard	Get $120	Up to 2% cash back	$0	ENDS SOON! $200 DIGITAL VISA CARD REWARD 1 Join Finder 2 Get a Tangerine Money-Back World Mastercard 3 Get a digital Visa gift card from Finder Ends by. T&Cs apply.	Get $120 with a Money-Back World Mastercard when you spend $1,500 in the first 3 months. Valid until April 30, 2026. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it 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 Tangerine credit card 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. Get $120 with a Money-Back World Mastercard when you spend $1,500 in the first 3 months. Valid until April 30, 2026. Pros & cons Pros Get $120 with a Money-Back World Mastercard when you spend $1,500 in the first 3 months. Valid until April 30, 2026. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. Earn unlimited 2% cash back in two Tangerine credit card 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. $0 annual fee Balance transfer offer of 1.95% for the first 6 months Enjoy exclusive dining, retail and spa offers in over 650 airports worldwide with a complimentary Mastercard Travel Pass provided by DragonPass. Cons You need a minimum personal income of $50,000 or a combined household income of at least $80,000 to apply for this card You'll face a foreign transaction fee of 2.5% every time you use your card overseas or online with international retailers 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 and free flight and hotel upgrades

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Tangerine credit card categories

The 10 Tangerine credit card categories people can choose from to earn a higher cash back return rate are:

• Drug store
• Eating Places
• Entertainment
• Furniture
• Gas
• Grocery
• Home Improvement
• Hotel & Motel
• Public Transportation and Parking
• Recurring Bill Payments

You’ll be able to choose your 2 or 3 high-earn categories when you activate your new Tangerine credit card. You can switch up your high-earn categories by first logging in to Tangerine’s online banking, going to your Tangerine Credit Card Account and clicking ‘Rewards’. Then click ‘Change Categories’ under the category icons to update your picks.

How to earn cash back using Tangerine credit card categories

Tangerine is the only bank in Canada that allows you to choose which categories you’d like to earn a higher cash back rate on. That means you can strategically choose to earn more on the categories you spend the most on. Let’s look at an example to see how earning cash back using various Tangerine credit card categories can work.

Let’s use the Tangerine Money-Back Credit Card as an example: Earn 2% cash back in two Tangerine credit card 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.

Erin, an Ontario resident, is looking to optimize her spending. She applies for a Tangerine Money-Back Credit Card, and is able to access 3 high earn rate categories because she also has a Tangerine savings account. Erin realizes that she tends to spend the most money on groceries, recurring bill payments and gas. The table below shows an example of how much cash back Erin could earn per month:

In this example, Erin would get $17.90 in cash back directly deposited into her Tangerine savings account every month just by using her Tangerine credit card – which amounts to earning $214.80 in one year.

While you may be able to find higher cash back earn rates with other credit cards, it’s important to consider each card’s annual fee. In order to make the most out of any cash back program, you need to make sure you plan to spend enough money on your card to earn at least enough cash back to make up the card’s annual fee. One of the big perks of Tangerine credit cards is that they don’t charge annual fees.

Tangerine credit card benefits

Here we breakdown some of the key benefits you’ll get with a Tangerine credit card.

• Unlimited money-back rewards

There’s no limit to the amount of cash back you can earn at the standard return rates with your Tangerine credit card. The cash back you earn is paid out monthly either to your card balance or redeemed into your savings account. You also don’t have to wait until you’ve accrued some minimum amount of cash back for it to be paid out – it will be paid monthly no matter how small the amount is.

• Tangerine credit card extras

All Tangerine credit cards come with Purchase Assurance and Extended Warranty coverage. That means that most new, insured items bought on your Tangerine credit card will be automatically covered for loss, theft or damage for 90 days from the date of purchase. The warranty on any item bought with your card will also be doubled up to a maximum of one year.

• Mobile Wallets

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

• Free spending tracking and categorizing

Tangerine will automatically organize the expenses on your credit card so you can easily see at a glance how much your spending and in which categories. That can help you stay on top of your finances, have a better grasp of where exactly your money is going and be able to use that information to budget smarter.

• Standard Mastercard benefits

Because Tangerine credit cards are all Mastercards, you’ll get access to several standard benefits including Mastercard Zero Liability and Mastercard Tap & Go for safety and ease of use. Mastercard is also accepted in over 210 countries around the world.

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.

Tangerine credit card requirements

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.

Compare Tangerine cards with other credit cards

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Welcome Offer	Rewards	Purchase Interest Rate	Annual Fee	Min. Credit Score
Finder Rewards ExclusivePromoted Tangerine Money-Back Credit Card	Bonus 10% cash back	Up to 2% cash back	20.95%	$0	ENDS SOON! $200 DIGITAL VISA CARD REWARD 1 Join Finder 2 Get a Tangerine Money-Back Credit Card 3 Get a digital Visa gift card from Finder Ends by. T&Cs apply.	Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2026. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. T&Cs apply.	Min. recommended credit score: 600	Go to siteView details Compare product selection Compare	loading
Promoted Neo Mastercard	N/A	An average of 5% cash back	19.99% - 29.99% (up to 24.99% in QC)	$0	Min. recommended credit score: 640	Go to siteView details Compare product selection Compare	loading
Promoted Loop Corporate Credit Card	N/A	Up to 2 points per $1 spent	30%	$0	Min. recommended credit score: 650	Go to siteView details Compare product selection Compare	loading
Finder Rewards Exclusive Tangerine Money-Back World Mastercard	Get $120	Up to 2% cash back	20.95%	$0	ENDS SOON! $200 DIGITAL VISA CARD REWARD 1 Join Finder 2 Get a Tangerine Money-Back World Mastercard 3 Get a digital Visa gift card from Finder Ends by. T&Cs apply.	Get $120 with a Money-Back World Mastercard when you spend $1,500 in the first 3 months. Valid until April 30, 2026. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. T&Cs apply.	Min. recommended credit score: 600	Go to siteView details Compare product selection Compare	loading
RBC Cash Back Mastercard	Up to 7% cash back	Up to 2% cash back	20.99%	$0	Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases. Apply by March 25, 2026.. T&Cs apply.	Min. recommended credit score: 650	Go to siteView details Compare product selection Compare	loading
American Express Cobalt Card	15,000 points	Up to 5x points per $1 spent	21.99%	$191.88	Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets. T&Cs apply.	Annual fee: $15.99/month ($191.88 annually). Quebec residents: $191.88/year. Min. recommended credit score: 700	Go to siteView details Compare product selection Compare	loading
RBC ION Visa	11,000 points	Up to 1.5 points per $1 spent	20.99%	$0	Get up to 11,000 Avion points. Apply by May 6, 2026.. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
BMO CashBack Mastercard	5% cashback	Up to 3% cashback	21.99%	$0	Get up to 5% cash back in your first 3 months. Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
BMO eclipse rise Visa Card	25,000	Up to 5 points per $2 spent	21.99%	$0	Earn up to 25,000 bonus points. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
RBC Avion Visa Infinite	Up to 55,000 points	Up to 1.25 points per $1 spent	20.99%	$120	Get up to 55,000 Avion Points. Apply by June 15, 2026. T&Cs apply.	Min. recommended credit score: 650	Go to siteView details Compare product selection Compare	loading

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Tangerine cards FAQs

• 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.

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

  There is no annual fee attached Tangerine credits.

• 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 my Tangerine card?

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

• Can I use my Tangerine 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 using the Tangerine Money-Back World Mastercard.

Written by

Chelsey Hurst

Publisher

Chelsey Hurst is a publisher at Finder, specializing in banking and investments. She loves empowering people to avoid financial pitfalls and make better decisions with their money. Chelsey has a Bachelor of Science from Redeemer University, a Master of Science from McMaster University, and has won multiple awards for research communication. In her spare time, Chelsey enjoys cooking and taking long walks in nature. See full bio

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