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Tangerine Money-Back Credit Card review

4.4Rated by the CreditCardGuru Editorial Team

The smartest no-fee cash-back card for people who want to tailor their bonus categories. Pair it with a Tangerine savings account for a third 2% category.

At a glance

Annual fee
No annual fee
Welcome bonus
~$100
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
cash back
Purchase APR
19.95%

Rewards & earn rates

Groceries (a 2% category)2%
Gas (a 2% category)2%
Recurring bills (a 2% category)3rd category unlocked with a Tangerine Savings deposit2%
Everything else0.5%

Welcome offer: Extra 10% back on everyday purchases in the first 2 months (up to $100).

Pros & cons

Pros

  • Pick the 2% categories that match your spending
  • Truly no-fee with monthly payouts
  • Third 2% category if you redirect rewards to savings

Cons

  • Only 0.5% outside your chosen categories
  • 2.5% foreign transaction fee
  • Thin insurance package

Perks & insurance

Key perks

  • No annual fee, ever
  • Choose your own 2% bonus categories
  • Cash back paid monthly, no minimum

Insurance

  • Purchase assurance (90 days)
  • Extended warranty

Rates & fees

Annual fee
None
Purchase interest
19.95%
Cash advance
19.95%
Foreign transactions
2.5%

Compare Tangerine Money-Back Credit Card with…

vs BMO CashBack World Elite Mastercardvs Rogers Red World Elite Mastercardvs Wealthsimple Credit Card
Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team

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