Tangerine Money-Back Credit Card
The Tangerine Money-Back is a no-fee cashback card that lets you pick your own bonus categories, earning elevated cashback where you actually spend the most.
Why it ranks
- No annual fee with customisable bonus categories
- Monthly cashback payouts
- Great starter cashback card
What holds it back
- Base rate outside chosen categories is low
- 2.5% foreign transaction fee
- No travel insurance included
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Tangerine Money-Back is a no-fee cashback card that lets you pick your own bonus categories, earning elevated cashback where you actually spend the most.
Tangerine Money-Back Credit Card at a glance
| Issuer | Tangerine Bank |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Occasional elevated cashback promotion |
| Rewards rate | 2% in chosen categories, 0.5% on everything else |
| Intro APR | Not applicable |
| Regular APR | 19.95% on purchases, 19.95% on cash advances |
| Foreign transaction fee | 2.5% on foreign currency purchases |
| Credit needed | Good credit |
| Best for | No-fee cashback seekers who want category control |
| Airport lounge access | No |
Rewards & benefits
- 2% cashback in up to three categories you choose
- 0.5% cashback on all other purchases
- No annual fee
- Cashback paid monthly, not annually
Eligibility & who it suits
- Canadian resident and of provincial age of majority
- Good credit history
- No specified minimum income
- Pass Tangerine's application review
How to apply
Check current rates on Tangerine Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Canada cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | TTangerine BankTangerine Money-BackNo annual fee · CA Tangerine Money-Back Credit CardNo-fee cashback seekers who want category control |
None | 2% in chosen categories, 0.5% on everything else | Occasional elevated cashback promotion | 2.5% on foreign currency p… | Good credit | |
| 2 | M(Bank of Montreal (BMO)BMO CashBack World Elite MastercardC$120/yr · CA BMO CashBack World Elite MastercardGrocery-heavy households wanting premium cashback |
C$120/yr | 5% on groceries, 4% on transit, 3% on gas (capped) | Elevated cashback rate for the first months | 2.5% on foreign currency p… | Good to excellent credit | |
| 3 | TCTD Canada TrustTD Cash Back Visa InfiniteC$139/yr · CA TD Cash Back Visa Infinite CardFamilies with heavy grocery, gas and bill spending |
C$139/yr | 3% on gas, groceries and recurring bills; 1% elsewhere | Elevated cashback rate for the first months | 2.5% on foreign currency p… | Good to excellent credit |
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