{"id":819526,"date":"2019-11-29T11:02:15","date_gmt":"2019-11-29T16:02:15","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=819526"},"modified":"2026-05-19T07:46:46","modified_gmt":"2026-05-19T11:46:46","slug":"tangerine-world-mastercard-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\/tangerine-world-mastercard-review","title":{"rendered":"Tangerine Money-Back World Mastercard review"},"content":{"rendered":"<h3>The basics<\/h3><p>If you&#8217;re looking for a decent cash back return a few bells and whistles, then you might like to check out the Tangerine Money-Back World Mastercard.<\/p><ul><li><strong>No annual fee.<\/strong> You won&#8217;t have to worry about ongoing maintenance fees with this card.<\/li><li><strong>Welcome offer.<\/strong> 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>.<\/li><li><strong>Earn cash back.<\/strong> 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.<\/li><li><strong>Flexible categories.<\/strong> Change your categories to suit your spending habits whenever you see fit.<\/li><li><strong>Balance transfer offer. <\/strong>Get a 1.95% interest rate on balance transfers for the first six months. You must request a balance transfer within 30 days of approval and activate your card within 45 days of approval. A 1% fee applies (waived for Quebec residents). Other terms and conditions apply.<\/li><li><strong>Unlimited cash back.<\/strong> Accumulate as much cash back as you want with no monthly or annual caps on earning potential.<\/li><li><strong>Easy redemption.<\/strong> Use the cash back you earn to pay off your outstanding credit card balance or put money into your savings account.<\/li><\/ul><div class=\"content-area-light-blue has-padding-small has-padding-top-large\"><strong>Eligible spending categories<\/strong><\/p><p>You can choose from the following categories to earn accelerated 2% cash back:<div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li>Groceries<\/li><li>Restaurants<\/li><li>Gas<\/li><li>Entertainment<\/li><li>Furniture<\/li><li>Hotels and motels<\/li><li>Drug store purchases<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li>Recurring bill payments<\/li><li>Home improvement<\/li><li>Public transportation and parking<\/li><li>E-Games<\/li><li>Fitness and Sports Clubs<\/li><li>Foreign Currency Spend<\/li><\/ul><\/div><\/div><\/div><h3>The perks<\/h3><ul class=\"list-4\"><li><strong>Product coverage.<\/strong> Protect your purchases with insurance and extended warranty coverage.<\/li><li><strong>Car rental insurance.<\/strong> Get damage and theft protection on your rental car for up to 31 days when you pay on your credit card.<\/li><li><strong>Mobile device insurance.<\/strong> Lock in up to $1,000 of insurance to replace your phone in the event of mechanical failure, loss, theft or accidental damage (some conditions apply).<\/li><li><strong>Airport lounge access.<\/strong> Get a Mastercard Travel Pass Provided by DragonPass. This complimentary membership gives you exclusive dining, retail and spa offers in airports worldwide along with access to over 1,400 airport lounges for a fee per visit.<\/li><li><strong>Global Wi-Fi access.<\/strong> Stay connected with complimentary access to a 1GB Global Data Roaming Plan and 15% off Data Plan purchases with FlexiRoam.<\/li><li><strong>Free additional cards.<\/strong> Pay no additional fee to order cards for up to five authorized users.<\/li><li><strong>Zero-liability coverage.<\/strong> Rest easy knowing that your card is protected from unauthorized use with zero-liability coverage.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><strong>Airport lounge access. <\/strong>Although discounted, you&#8217;ll still have to pay a fee to enter eligible airport lounges.<\/li><li><strong>No travel insurance.<\/strong> You won&#8217;t get travel medical or trip interruption\/cancellation insurance to cover your time spent overseas.<\/li><li><strong>Foreign transaction fees apply.<\/strong> You&#8217;ll have to pay a 2.5% currency conversion fee whenever you spend in currencies other than CAD.<\/li><li><strong>Income requirement.<\/strong> The minimum income you&#8217;ll need to be approved for this card is $50,000 (or a household income of at least $80,000).<\/li><\/ul><h3>Tangerine Money-Back World Mastercard interest rates<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Type<\/b><\/th><th style=\"width: 50%; text-align: left;\" scope=\"col\"><b>Interest Rate<\/b><\/th><\/tr><\/thead><tbody><tr><td>Purchase interest rate<\/td><td>20.95%<\/td><\/tr><tr><td>Cash advance rate<\/td><td>22.95%<\/td><\/tr><tr><td>Standard balance transfer rate<\/td><td>22.95%<\/td><\/tr><\/tbody><\/table><h3>What should I know before I apply for the Tangerine World Mastercard<\/h3><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\">Eligibility requirements<\/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\">To apply for a Tangerine Money-Back World Mastercard, you will need to meet the following criteria:<\/p><ul class=\"list-7\"><li>Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces).<\/li><li>Have a minimum annual income of $50,000 or a household income of $80,000.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><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=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">You'll also need to provide the following documents and information:<\/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=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul class=\"list-7\"><li>Your name, residential status and contact information<\/li><li>Your social insurance number (SIN) and date of birth<\/li><li>Your email address and phone number<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><h3>How to apply for the Tangerine World Mastercard<\/h3><ol><li><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/credit-cards\/tangerine-world-mastercard-secure.html?nb=1&src_country=ca&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2BTangerine%2527s%2Bwebsite%22%2C%22site%22%3A%22CACCF%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%22provider_id%22%3A%22c11c71f1-61cb-4875-8b9b-69baa75b5e0b%22%2C%22provider_name%22%3A%22Tangerine%22%2C%22post_id%22%3A%22819526%22%2C%22post_path%22%3A%22credit-cards%252Ftangerine-credit-cards%252Ftangerine-world-mastercard-review%22%2C%22post_country%22%3A%22ca%22%7D\">Go to Tangerine's website<\/a> and select <strong>Apply Now<\/strong>.<\/li><li>Complete the application by providing your name, email address, SIN, birth date and other required information.<\/li><li>Consent to a credit check.<\/li><li>Review and submit your application.<\/li><li>If approved, you&#8217;ll get your new card in the mail within 10 business days.<\/li><\/ol><h3>Bottom line<\/h3><p>The Tangerine Money-Back World Mastercard gives you a decent cash back return in up to three spending categories for no annual fee. It also comes with a balance transfer offer and additional perks like mobile phone insurance, car rental insurance, free and discounted FlexiRoam Global Data plans and airport lounge access through DragonPass (a fee applies per lounge visit).<\/p><p>It&#8217;s a great card if you want to earn cash back with no annual fee. But if you&#8217;re looking for a <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/low-interest-credit-cards\">low-interest credit card<\/a> or <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/travel-rewards-credit-cards\">more extensive travel benefits<\/a>, take a look at other options.<ul class=\"luna-accordionGroup accordionGroup\">\n\t<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=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Does the Tangerine World Mastercard have a welcome offer?<\/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=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, depending on when you signup. 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>.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">What categories should I choose to earn the most cash back?<\/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=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You should aim to choose the categories where you spend the most money each month. If you own a car and fill up regularly, you might like to choose gas over public transit. If you eat out often, it might make sense to choose restaurants over groceries.<\/p><p>The nice thing is, the choice is always up to you and you can change your categories at any time to accommodate shifts in your personal preferences and spending habits. Essentially, you can do this as often as you'd like, but it only takes effect on the first billing date 90 days after your last change.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Can I qualify for this card if I don't meet the income requirements? <\/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=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Typically no, but you may be able to ask Tangerine for some wiggle room if you have a really good credit score. If you want a similar card with no income requirements, you can also apply for the <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\/tangerine-money-back-credit-card\">Tangerine Money-Back Credit Card<\/a>.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<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=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">What other products does Tangerine offer?<\/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=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>In addition to the Tangerine Money-Back Credit Card, Tangerine offers <a href=\"https:\/\/www.finder.com\/ca\/banking\/tangerine-bank-review\/tangerine-savings-account\">savings<\/a>, <a href=\"https:\/\/www.finder.com\/ca\/banking\/tangerine-bank-review\/tangerine-bank-chequing-account\">chequing<\/a> and investment accounts as well as <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\">credit cards<\/a>, RSP loans, lines of credit, mortgages and GICs.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Earn cash back in specific spending categories, and enjoy a wide array of benefits with this no-annual-fee credit card.<\/p>\n","protected":false},"author":474,"featured_media":1040506,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Tangerine World Mastercard","_yoast_wpseo_title":"Tangerine World Mastercard Review [date format=Y] | Finder Canada","_yoast_wpseo_metadesc":"Earn cash back rewards and get comprehensive benefits when you spend money with the no-annual-fee Tangerine Money-Back World Mastercard.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"Tangerine World Mastercard Review | Finder Canada","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","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,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"685","post_editor_date":"","post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-05-13 01:14:46\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated our information on the Tangerine Money-Back World Mastercard, including fees, features, rates, pros and cons.\"}","_last_major_update":"","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[99958],"tags":[],"asset_tag":[],"class_list":["post-819526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tangerine-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Tangerine World Mastercard Review 2026 | Finder Canada<\/title>\n<meta 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