Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Up to $950 value, including up to 50,000 bonus Scene+ points*

Tangerine Money-Back Credit Card
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Tangerine Money-Back Credit Card

4.4

Welcome bonus

Earn 10% cash back10 for 2 months (Up to $100)*

  • 2% groceries (a 2% category)
  • 2% gas (a 2% category)
  • 2% recurring bills (a 2% category) — 3rd category unlocked with a Tangerine Savings deposit
Annual fee
No annual fee
Interest rates

Purchases

20.95%

Cash advances

22.95%

Foreign transactions
2.5%

Rated 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
20.95%

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: Earn 10% cash back10 for 2 months (Up to $100)* (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
20.95%
Cash advance
22.95%
Foreign transactions
2.5%

Compare Tangerine Money-Back Credit Card with…

vs Wealthsimple Credit Cardvs Triangle World Elite Mastercard
Last updated August 23, 2026Reviewed by CreditCardGuru Editorial Team
Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Tangerine can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Tangerine's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Tangerine's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with Tangerine. Trademarks belong to their respective owners.

Similar cards to consider

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4.5·Households with heavy grocery and gas spend who want maximum cash back.
Annual fee
$120 $0
Welcome bonus
$350
Top reward
4% groceries
  • 4% on gas and groceries is among the highest in Canada
  • Strong 2% middle tier covers dining, transit and bills

Suggested score 720+ · Excellent credit

Apply nowView details
Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

  • 200+ Canadian cards tracked
  • Transparent rating methodology
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Cite this page

“Tangerine Money-Back Credit Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/tangerine-money-back, updated August 23, 2026.

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