{"id":1023341,"date":"2023-09-27T15:52:23","date_gmt":"2023-09-27T19:52:23","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1023341"},"modified":"2025-04-15T02:14:37","modified_gmt":"2025-04-15T06:14:37","slug":"how-to-maximize-cashback-credit-card-rewards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/news\/how-to-maximize-cashback-credit-card-rewards","title":{"rendered":"How to maximize cashback credit card rewards"},"content":{"rendered":"<h2>Earn maximum cashback rewards with these six spending tips.<\/h2><div class=\"is-visible@s is-hidden\"><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><p><img decoding=\"async\" class=\"wp-image-865089 alignleft\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Tangerinebanklogo_Supplied_450x250.jpg\" alt=\"Tangerine logo\" width=\"137\" height=\"76\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Tangerinebanklogo_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Tangerinebanklogo_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Tangerinebanklogo_Supplied_450x250.jpg?fit=411 411w\" sizes=\"(max-width: 411px) 100vw, 411px\" loading=\"lazy\">Sponsored by <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6425f8fa5d09f5001ba5550f\" target=\"_blank\" rel=\"noopener\"><b>Tangerine<\/b><\/a>. Unlock credit card rewards with Tangerine credit cards. Earn unlimited Money-Back Rewards with either the Tangerine Money-Back Credit Card or the Tangerine World Mastercard. T&amp;Cs apply.<\/p><div class=\"luna-buttonGroup luna-buttonGroup--stretch luna-buttonGroup--stack@xs\" role=\"group\"><a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6425f8fa5d09f5001ba5550f\" target=\"_blank\" rel=\"noopener sponsored\"><button class=\"luna-button luna-button--success\" style=\"margin-top: 10px;\" type=\"button\">Learn more<\/button><\/a><\/div><\/div><\/article><\/div><div class=\"is-hidden@s\"><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><img decoding=\"async\" class=\" wp-image-865089 alignleft\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Tangerinebanklogo_Supplied_450x250.jpg\" alt=\"Tangerine logo\" width=\"283\" height=\"157\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Tangerinebanklogo_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Tangerinebanklogo_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Tangerinebanklogo_Supplied_450x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Tangerinebanklogo_Supplied_450x250.jpg?fit=849 849w\" sizes=\"(max-width: 849px) 100vw, 849px\" loading=\"lazy\"><br><small><br>Sponsored by<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/642625215d09f5001ba67ac0\" target=\"_blank\" rel=\"noopener\"><strong> Tangerine<\/strong><\/a>. Unlock credit card rewards with Tangerine credit cards. Earn unlimited Money-Back Rewards with either the Tangerine Money-Back Credit Card or the Tangerine World Mastercard. T&amp;Cs apply. <\/small><br><a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6425f8fa5d09f5001ba5550f\" target=\"_blank\" rel=\"noopener sponsored\"><button class=\"luna-button luna-button--success\" style=\"margin-top: 10px;\" type=\"button\">Learn more<\/button><\/a><\/div><\/article><\/div><p>Cashback credit cards let you earn money back on your everyday spending. Whenever you make an eligible purchase, a percentage of the purchase price gets paid back to you as a reward.<\/p><p>These reward credit cards are great tools to help save money on essential purchases, but there\u2019s plenty you can do to take your cashback earning power to the next level.<\/p><h3>6 tips to maximize credit card rewards<\/h3><p>In this guide, we\u2019ll share six simple tips to help you get maximum cashback, plus show you how to find the best cashback credit card for your needs.<\/p><h4>Tip 1: Charge it <i>all<\/i> on your rewards credit card<\/h4><p>There are some purchases in life that are simply essential. We\u2019re talking about things like gas for your car, your weekly grocery shop and utility bills \u2014 regular expenses you have to pay for no matter what. So if you\u2019re going to be spending the money anyway, why not pay for all your essential purchases with your rewards credit card?<\/p><p>For instance, charge your gas, groceries and utility bills to your <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/642625215d09f5001ba67ac0\" target=\"_blank\" rel=\"noopener\">Tangerine World Credit Card<\/a> \u2014 approximately $2,000 each month \u2014 and after a year you would have $480 in cashback rewards.<sup>(1)<\/sup> It\u2019s like earning money for living costs already in the budget. Better still, it\u2019s easy and convenient to use a rewards card to pay for all your regular expenses, and when you add up all your essential spending, you might be surprised just how quickly your cashback earnings can grow.<\/p><h4>Tip 2: Choose a card with unlimited cashback and rewards<\/h4><p>Some cashback credit cards cap the amount of rewards you can earn per month or per year. This can really hold you back from getting the most out of your card, and even the best cashback rate in Canada is pointless if you can\u2019t maximize your earning potential.<\/p><p>That\u2019s why it\u2019s important to look for a credit card with unlimited cashback and rewards. With no limits, you can get maximum bang for your buck and ensure that your cashback credit card earns its keep.<\/p><p>Let\u2019s look at essential weekly purchases like groceries and gas. If you spend $400 a week on groceries and $100 a week on gas, that\u2019s $2,000 a month you can charge to your credit card \u2014 and get cashback. If your card offers 2% cashback, like the <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6425f8fa5d09f5001ba5550f\" target=\"_blank\" rel=\"noopener\">Tangerine Money-Back Credit Card<\/a>, you\u2019ll earn $480 cashback over the course of a year.<sup>(\u2727)<\/sup><\/p><p>No matter who you are, saving almost $500 a year is a pretty sweet deal.<\/p><h4>Tip 3: Choose a cashback card with low or no fees<\/h4><p>Some rewards credit cards have high annual fees \u2014 with some charging $100 or more, each year. If you\u2019re paying a hefty fee every 12 months, this will obviously have a big impact on your cashback earnings.<\/p><p>So a key factor to keep in mind when searching for the best credit card rewards is to look for a card that charges a low annual fee or eliminates this cost entirely. Omit this cost and that\u2019s one less fee you have to pay \u2014 and more money in your pocket to spend on what you need and want.<\/p><h4>Tip 4: Focus on a card that lets you maximize rewards on YOUR spending<\/h4><p>Credit card providers offer a dazzling array of welcome bonuses and perks to try and entice new customers. It\u2019s easy to get sucked in by these deals, but don\u2019t be fooled into choosing a card that isn\u2019t right for you.<\/p><p>Instead, look for a card that matches your spending needs and rewards you based on how you shop. Both the Tangerine Money-Back Credit Card and World Mastercard allow you to choose two spending categories where you can earn 2% cashback \u2014 add a third category if you open and connect the card to a no-fee Tangerine savings account.<\/p><p>With this flexibility you can swap out spending categories based on your plans. For instance, select the travel category and you could earn $20 in cashback for every $1,000 you spend when booking flights and accommodation. Use this strategy with the <a href=\"https:\/\/www.tangerine.ca\/en\/products\/spending\/creditcard\" target=\"_blank\" rel=\"noopener\">Tangerine World Mastercard<\/a> and you can cash-in on the travel perks, including access to more than one million Wi-Fi hotspots around the world using Boingo Wi-Fi, access to more than 650 airports lounges worldwide through DragonPass, plus special cashback offers on select international spending.<sup>(2)<\/sup><\/p><h4>Tip 5: Tap into hidden perks<\/h4><p>Getting the most out of your credit card isn\u2019t just about earning maximum cashback. You also need to look for those little extras that can help turn a good credit card into something special.<\/p><p>For example, think about how you\u2019ll manage your card payments, check your balance and keep track of your spending. A user-friendly mobile app is a must, as is an easy-to-navigate online banking platform.<\/p><p>Budgeting tools are another bonus to help you keep your finances on track and when you use free tools, such as Tangerine\u2019s Left to Spend feature, you can easily track where and how you\u2019re spending your money. Better yet, add in a few details, such as regular income and monthly bills and this budgeting tool calculates how much you have left to spend each month.<\/p><h4>Tip 6: Redeem based on your needs<\/h4><p>The final tip to maximizing your money-back rewards is to look for a card that offers flexibility when you want to redeem. Some cards will automatically use any cashback rewards to pay down an account balance, while others limit when and how to access money-back rewards. Ideally, you want a rewards card that gives you easy, instant access to your cashback rewards.<\/p><p>For example, you can choose to deposit your cashback rewards earned on a Tangerine Mastercard into a Tangerine Savings Account \u2014 or link your card to another bank account. Not only will this help you reach your savings goals faster, it means you have access to your cashback rewards whenever you need them.<\/p><h4>Bonus tip: Use cashback to build up an emergency fund<\/h4><p>Sometimes life throws you a curveball. So when your car breaks down or your dog ends up at the emergency vet clinic, it\u2019s handy to know you have an emergency fund to fall back on.<\/p><p>The good news is that the best cashback credit cards in Canada can help you save for a rainy day. To explain, let\u2019s assume that Maddy earns $800 per week. As a Tangerine client, she selects groceries, restaurants and gas as her primary spending categories on her credit card.<\/p><p>Worried that her mischievous puppy, Ruby, will wind up at the vet, Maddy sets up a Tangerine Savings Account as an emergency fund and makes an initial deposit of $500. She then uses her Tangerine Money-Back Credit Card to pay for $2,200 worth of essential purchases, giving her cashback each month. She deposits these money-back rewards into her Tangerine High-Interest Savings Account, where the funds earn interest. Thanks to her regular cashback deposits and the power of compound interest, Maddy could turn her initial $500 deposit into an emergency fund that\u2019s just under $2,500 in just five years.<sup>(3)<\/sup><\/p><h3>Bottom line<\/h3><p>There are plenty of simple things you can do to earn maximum cashback on your rewards credit card. If you can find a card that provides big rewards on the type of purchases you make on a regular basis, you\u2019ll get more out of your everyday spending. And if you can find a card with unlimited cashback and low or no annual fee, you can quickly accumulate a healthy cashback balance.<\/p><h3>Explore Tangerine\u2019s Money-Back Credit Cards<\/h3><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"437548b1-c019-44ee-a552-ab14c9a50973\" data-template=\"comparison\" data-niche=\"CACCF\" data-site=\"CACCF\" data-auto-recalculate=\"true\" data-post-country=\"ca\" data-fieldset=\"caccf-default\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"1023341\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" 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center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"f49ed730-e748-4a33-9b07-53e67e4020b7\" data-provider-id=\"c11c71f1-61cb-4875-8b9b-69baa75b5e0b\" data-product-name=\"Tangerine Money-Back Credit Card\" data-provider-name=\"Tangerine\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\/tangerine-money-back-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/632df41073983.png\" alt=\"Tangerine Money-Back Credit Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/632df41073983.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/632df41073983.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/632df41073983.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/632df41073983.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/632df41073983.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\/tangerine-money-back-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Tangerine Money-Back Credit Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        Bonus 10% cash back<span class=\"table-popover\" rel=\"popover\" data-content=\"Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. &lt;b&gt;Valid until September 30, 2026.&lt;\/b&gt;\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 2% cash back <span class=\"table-popover\" rel=\"popover\" data-content=\"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.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        20.95%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n        Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. <b>Valid until September 30, 2026<\/b>. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. T&amp;Cs apply.\n      <\/span><\/div><\/td><td class=\"comparison-table__feature\n                    \n                                                                                                                                                      fin-text-blue comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Min. recommended credit score: {{ DETAILS.CREDIT_SCORE_MIN }}&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                              \" data-heading=\"Min. Credit Score\"><b>Min. recommended credit score: 600<br><\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"f49ed730-e748-4a33-9b07-53e67e4020b7\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/tangerine-money-back-credit-card-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22437548b1-c019-44ee-a552-ab14c9a50973%22%2C%22category_name%22%3A%22Tangerine%2BCredit%2BCards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778343002%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%229781%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22f49ed730-e748-4a33-9b07-53e67e4020b7%22%2C%22product_name%22%3A%22Tangerine%2BMoney-Back%2BCredit%2BCard%22%2C%22post_id%22%3A%221023341%22%2C%22post_path%22%3A%22news%252Fhow-to-maximize-cashback-credit-card-rewards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Tangerine's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Tangerine Money-Back Credit Card\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"f49ed730-e748-4a33-9b07-53e67e4020b7\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-f49ed730-e748-4a33-9b07-53e67e4020b7\" value=\"f49ed730-e748-4a33-9b07-53e67e4020b7\" name=\"productID\" _productname=\"                            Tangerine Money-Back Credit Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"f49ed730-e748-4a33-9b07-53e67e4020b7\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-f49ed730-e748-4a33-9b07-53e67e4020b7\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"ebc96dcb-d5d4-4e3b-add3-97bf2bc57e88\" data-provider-id=\"c11c71f1-61cb-4875-8b9b-69baa75b5e0b\" data-product-name=\"Tangerine Money-Back World Mastercard\" data-provider-name=\"Tangerine\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\/tangerine-world-mastercard-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6902656438c68.png\" alt=\"Tangerine Money-Back World Mastercard image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6902656438c68.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6902656438c68.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6902656438c68.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6902656438c68.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6902656438c68.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\/tangerine-world-mastercard-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Tangerine Money-Back World Mastercard<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,caccf.product.caccf_bonus_points_table\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Welcome Offer\">\n                        Get $100<span class=\"table-popover\" rel=\"popover\" data-content=\"Get $100 with a Money-Back World Mastercard when you spend $1,500 in the first 3 months. &lt;b&gt;Valid until September 30, 2026&lt;\/b&gt;.\" title=\"Welcome Offer\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,caccf.product.caccf_table_rewards_point_value\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Rewards\">\n                        Up to 2% cash back <span class=\"table-popover\" rel=\"popover\" data-content=\"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.\" title=\"Rewards\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,caccf.product.caccf_purchase_interest_rate\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchase Interest Rate\">\n                        20.95%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,caccf.product.fee_annual\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual Fee\">\n                        $0\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\">\n        Get $100 with a Money-Back World Mastercard when you spend $1,500 in the first 3 months. <b>Valid until September 30, 2026<\/b>. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. T&amp;Cs apply.\n      <\/span><\/div><\/td><td class=\"comparison-table__feature\n                    \n                                                                                                                                                      fin-text-blue comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Min. recommended credit score: {{ DETAILS.CREDIT_SCORE_MIN }}&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                              \" data-heading=\"Min. Credit Score\"><b>Min. recommended credit score: 600<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"ebc96dcb-d5d4-4e3b-add3-97bf2bc57e88\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/tangerine-world-mastercard-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CACCF%22%2C%22fieldset%22%3A%22caccf-default%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22437548b1-c019-44ee-a552-ab14c9a50973%22%2C%22category_name%22%3A%22Tangerine%2BCredit%2BCards%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778343002%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%229781%22%2C%22niche_code%22%3A%22CACCF%22%2C%22product_id%22%3A%22ebc96dcb-d5d4-4e3b-add3-97bf2bc57e88%22%2C%22product_name%22%3A%22Tangerine%2BMoney-Back%2BWorld%2BMastercard%22%2C%22post_id%22%3A%221023341%22%2C%22post_path%22%3A%22news%252Fhow-to-maximize-cashback-credit-card-rewards%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Tangerine's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Tangerine Money-Back World Mastercard\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"ebc96dcb-d5d4-4e3b-add3-97bf2bc57e88\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-ebc96dcb-d5d4-4e3b-add3-97bf2bc57e88\" value=\"ebc96dcb-d5d4-4e3b-add3-97bf2bc57e88\" name=\"productID\" _productname=\"                            Tangerine Money-Back World Mastercard            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"ebc96dcb-d5d4-4e3b-add3-97bf2bc57e88\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-ebc96dcb-d5d4-4e3b-add3-97bf2bc57e88\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          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\/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => {\n          const row = 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el.querySelector(\"[data-pill-countdown-days]\");\n        const hoursEl = el.querySelector(\"[data-pill-countdown-hours]\");\n        const minutesEl = el.querySelector(\"[data-pill-countdown-minutes]\");\n        const secondsEl = el.querySelector(\"[data-pill-countdown-seconds]\");\n\n        let interval;\n        const updatePillCountdown = () => {\n          if (!el.isConnected) {\n            if (interval) clearInterval(interval);\n            return;\n          }\n\n          const remaining = endTime - new Date().getTime();\n\n          if (remaining <= 0) {\n            if (daysEl) daysEl.textContent = \"0d\";\n            if (hoursEl) hoursEl.textContent = \"0h\";\n            if (minutesEl) minutesEl.textContent = \"0m\";\n            if (secondsEl) secondsEl.textContent = \"0s\";\n            if (interval) clearInterval(interval);\n            \/\/ Hide pill wrapper on expiry\n            const wrapper = el.closest(\".rewards-pill-wrapper\");\n            if (wrapper) wrapper.style.display = \"none\";\n            return;\n          }\n\n          const days = Math.floor(remaining \/ (1000 * 60 * 60 * 24));\n          const hours = Math.floor((remaining % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n          const minutes = Math.floor((remaining % (1000 * 60 * 60)) \/ (1000 * 60));\n          const seconds = Math.floor((remaining % (1000 * 60)) \/ 1000);\n\n          if (daysEl) daysEl.textContent = days + \"d\";\n          if (hoursEl) hoursEl.textContent = hours + \"h\";\n          if (minutesEl) minutesEl.textContent = minutes + \"m\";\n          if (secondsEl) secondsEl.textContent = seconds + \"s\";\n        };\n\n        updatePillCountdown();\n        interval = setInterval(updatePillCountdown, 1000);\n      });\n    }\n\n    initPillCountdowns();\n\n    const allTables = document.querySelectorAll(\"table\");\n    allTables.forEach((table) => {\n      const observer = new MutationObserver(() => {\n        setTimeout(initPillCountdowns, 0);\n      });\n      observer.observe(table, { childList: true, subtree: true });\n    });\n  });\n})();\n<\/script><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count-437548b1-c019-44ee-a552-ab14c9a50973 comparison-table__dataCount\">Showing\n\t\t\t2\n\t\t\tof\n\t\t\t2\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"CACCF\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<p><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\" target=\"_blank\" rel=\"noopener noreferrer\">Compare other credit cards here<\/a><\/p><h5>Sponsor video<\/h5><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"iCXvqEmKDLs\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/iCXvqEmKDLs\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/iCXvqEmKDLs\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/iCXvqEmKDLs\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">1:03<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-iCXvqEmKDLs\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Terms and Conditions<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p><strong>\u2727 General Terms:<\/strong><br>Applicants must apply for the Card and must consent to a credit check. Accounts must be in Good Standing in order to receive Money-Back Rewards. See the <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6425f8fa5d09f5001ba5550f\" target=\"_blank\" rel=\"noopener\">Tangerine Money-Back Rewards Program Terms &amp; Conditions for full details<\/a>.<\/p><p>Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. <strong>There is no interest-free grace period on Cash Advances or Balance Transfers.<\/strong><\/p><p><strong>Annual Interest Rates:<\/strong> The annual interest rate on Purchases and Cash Advances (including Balance Transfers) is 20.95%. Rates are subject to change. If you don\u2019t make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and Cash Advances (including Balance Transfers).<\/p><p><strong>Other Fees and Rates:<\/strong> These fees are charged on the day the transaction occurs (unless otherwise indicated): Cash Advance: $3.50 within Canada, $5 outside of Canada; Balance Transfer: 3% or minimum of $5 (unless reduced or waived) of the amount transferred when it is posted to your Account. Dishonoured Payment: $25; Rush Card: $25; Over-Limit: $25 (maximum one Over-Limit charge per monthly statement period); Past Statement Reprint: $5 per past statement. There is no charge for a reprint of your current monthly statement. Foreign Currency Conversion: When the converted transaction amount gets posted to your Account, we\u2019ll add a foreign currency conversion fee of 2.5% to the converted transaction amount.<\/p><p>See your Information Box in the application for full details. Rates and fees are subject to change.<\/p><p>1 <strong>Rewards Promotional Offer:<\/strong><br>The Tangerine 10% Limited-time Promotional Offer (the \u201cOffer\u201d) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine Money-Back Credit Card (the \u201cAccount\u201d) by January 31, 2024, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine Money-Back Credit Card is activated. \u201cNet Purchases\u201d include purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees, insurance premiums, adjustments or other charges. The Offer Bonus of 10% (up to $100) will be credited to the Primary Cardholder\u2019s Account within 1\u20132 statement cycles after the 60-day promotional period provided the Account is open and in Good Standing at time of payout. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.<\/p><p><strong>Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee)<\/strong><br>A Promotional Interest Rate of 1.95% will apply immediately to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the \u201cPromotional Rate Period\u201d). If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate (currently 20.95%) will apply to that balance. <strong>A 1% Balance Transfer Fee will be charged on each Balance Transfer amount and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Quebec at the time you accept this offer.<\/strong> To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Note that if your Balance Transfer amount(s) equal your available credit, then the Balance Transfer Fee will put your Account over your credit limit and may be rejected in whole or in part. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Interest applies from the transaction date that appears on your statement for that Balance Transfer to the date you repay the Balance Transfer in full. It may take a few business days to complete the Balance Transfer request. You should continue to make payments to the other financial institution until the Balance Transfer appears on your statement. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. Interest does not accrue on the Balance Transfer Fee; however, it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you don\u2019t make your Minimum Payment by the payment due date as shown on 2 consecutive statements, your interest rate will increase to your higher standard rate that applies to the Account (currently 24.95%). If you pay more than your Minimum Payment on your statement, we\u2019ll apply the excess amount of the payment to your balance proportionately based on the interest rate(s) applicable to each group of charges billed on your Account. Please see the Credit Card Cardholder Agreement for more information on how we apply payments to your Account.<\/p><p>We don\u2019t charge interest on new Purchases that appear on your statement for the first time if we receive full payment of the Balance on your statement (including payment of any Balance Transfers included in that Balance) by the Payment Due Date on your statement. Balance Transfers may not be used to transfer money to or from another Tangerine Account. <strong>See the Information Box at tangerine.ca\/creditcardlegal for full details.<\/strong><\/p><p>Cash Advances (including Balance Transfers) do not earn Tangerine Money-Back Rewards. See the terms and conditions of the Tangerine Money-Back Rewards Program at <strong>Tangerine.ca\/CreditCardLegal<\/strong> for full details on other items that do not earn Tangerine Money-Back Rewards.<\/p><p>2 <strong>Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC).<\/strong> ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant\u00ae. \u00aeAssurant is a registered trademark of Assurant, Inc. Coverage is subject to eligibility, limitations and exclusions. For details of the coverage, including definitions and benefits, refer to the Certificate of Insurance provided with the card.<\/p><p>3 <strong> Offers vary by location.<\/strong> More details are available at Mastercard\u00ae Travel Pass or the Mastercard app. <strong>For full terms and conditions of use, go to mastercardtravelpass.dragonpass.com\/terms-of-use<\/strong>. The Mastercard Airport Experiences offers are made available to you through Mastercard. Tangerine Bank is not responsible for the Mastercard Airport Experiences or any offers made available under those offers. Fees for this benefit are subject to change by Mastercard.<\/p><p>Any of these offers may be changed or cancelled at any time without notice. Rates and fees are subject to change.<\/p><p>Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.<\/p><p>Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence.<\/p><p>Forward Banking is a registered trademark of Tangerine Bank.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Find savings in everyday spending by turning bills and expenses into money-back rewards with a cashback credit card. <\/p>\n","protected":false},"author":516,"featured_media":805838,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[351],"tags":[106865],"asset_tag":[],"class_list":["post-1023341","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-branded-content"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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