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Tangerine Money-Back Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
Balance Transfer
19.95% (1.95% for the first 6 months)
0.5% cashback
Signup Bonus

Informr score
The Tangerine Money-Back Credit Card currently has an Informr score of 9.7 out of 10. This score is based on our evaluation of 12 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Tangerine Money-Back Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Have a minimum personal income of $12000.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The Tangerine Money-Back Credit Card is by far the most flexible among no annual fee credit cards, and the low minimum income requirement makes it a great option for young adults and those just starting out in their careers. I do like that you earn cash back on all purchases and get to choose the hi...

- Hannah Logan,

Tangerine cashback credit card is an absolute steal. In fact, it is one of the best cashback credit cards for rookies and seasoned card users alike. Presently, the card offers no annual fee as well as plenty of choices and convenience.


The Tangerine Money-Back Mastercard is king when it comes to flexibility. Though you’ll get low rewards on your off-category spending, the customizable categories and no annual fee means you can get around that easily by pairing with another card. That being said, on its own the card is still good –...

Young and Thrifty

The Tangerine Money-Back credit card costs you nothing, earns you money on all spends with no caps, and automatically reimburses you. All things considered, this card is clearly a winner, and you’re actually earning a few bucks by putting this plastic in your wallet.

- Keph Senett, Young and Thrifty

It proved itself to be a game changer for many Canadians with its unique ability to let you pick and choose the categories in which you can earn extra rewards, shooting itself to the top of the list of best Canadian no-fee cash back credit cards.

- creditcardGenius


Interest Rates
Regular APR Interest Rate 19.95%
Balance Transfer Interest Rate 19.95% (1.95% for the first 6 months)

Intro rate applies on balances transferred within the first 30 days of account opening.

Cash Advance Interest Rate 19.95%
Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%
  • Minimum of $5
  • 1% fee on intro. balance rate
Cash Advance Fee $3.50

$5.00 fee for cash advances outside of Canada.

Foreign Transaction Fee 2.5%

Added to the converted transaction amount

Over Limit Fee $25.00
Late Payment Fee $0.00
Sign up bonus

Apply by November 30, 2021 and earn an extra 15% back (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.

All Purchases 0.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Earn 2% cash back in two categories of your choice

Categories you can choose from include:

  • Grocery
  • Restaurants
  • Gas
  • Drug Store
  • Entertainment
  • Furniture
  • Hotel-Motel
  • Recurring Bill Payments
  • Home Improvement
  • Public Transportation and Parking

Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Virtual Cards No
Additional Benefits
  • Mastercard Priceless Cities
  • Exclusive Experiences and Offersclusive Experiences and Offers
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income $12,000 per year
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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