cash backno fee

Tangerine Money-Back World Mastercard

Name: Tangerine Money-Back World Mastercard
Brand: Tangerine

4.3

Welcome bonus

Up to $100 cash back*

2% 2% category of your choice — Choose 2 categories (3 if rewards deposit to a Tangerine Savings Account) from 13 options including grocery, restaurants, gas, recurring bills and foreign currency spend. Unlimited earning
2% 2% category of your choice
2% 2% category of your choice — Third category unlocked with Tangerine Savings Account 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

If you meet the income bar, this is the obvious pick over the base card: identical uncapped 2% cash back plus mobile device insurance, rental car coverage and travel benefits, still with no annual fee.

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

2% category of your choiceChoose 2 categories (3 if rewards deposit to a Tangerine Savings Account) from 13 options including grocery, restaurants, gas, recurring bills and foreign currency spend. Unlimited earning	2%
2% category of your choice	2%
2% category of your choiceThird category unlocked with Tangerine Savings Account deposit	2%
Everything else	0.5%

Welcome offer: Up to $100 cash back* (Spend $1,500 in your first 3 months).

Pros & cons

Pros

Save up to 8 cents/litre at Shell
All the Money-Back card's earning power plus real insurance and travel extras
Mobile device and rental car coverage on a $0-fee card is rare

Cons

Higher income requirement ($50k personal or $80k household)
Lounge access is membership only - visits cost extra

Perks & insurance

Key perks

Same uncapped 2% choose-your-categories cash back, still no annual fee
Mobile device insurance up to $1,000
Mastercard Travel Pass by DragonPass airport lounge program access
Complimentary FlexiRoam global data roaming each year
Rental car collision coverage and Fubo TV offer
20% off H&R Block tax software

Insurance

Mobile device insurance (up to $1,000)
Rental car collision/loss damage insurance
Purchase assurance (90 days) and extended warranty (up to $60,000 lifetime)

Rates & fees

Annual fee: None
Purchase interest: 20.95%
Cash advance: 22.95%
Foreign transactions: 2.5%
Min. personal income: $50,000

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.

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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.

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Cite this page

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