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⚖ Add to comparisonTangerine Bank · Mastercard
Tangerine Money-Back Credit Card
The free card to start with if you want to point 2% at the categories you actually use, since you choose up to three bonus buckets and cashback pays monthly. The trade-off is the 0.5% base rate on everything outside those picks, which is weak, so it's a poor single-card solution for varied spenders. There's no travel insurance and a 2.5% FX fee, so pair it with the Bankwest Zero or a no-FX card for trips; confirm the chosen-category options on Tangerine's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Get 2% back in up to three categories of your choosing
- ✓All remaining purchases earn 0.5% back
- ✓No annual fee to pay
- ✓Cashback is paid every month rather than once a year
👍 Pros
- + No annual fee, with bonus categories you select yourself
- + Cashback lands monthly
- + A solid entry-level cashback option
👎 Cons
- – Spending outside your chosen categories earns a low base rate
- – Charges 2.5% on foreign currency purchases
- – Does not include travel insurance
Can you get it?
- ▸Live in Canada and meet your province's age of majority
- ▸Hold a good credit record
- ▸No minimum income is specified
- ▸Clear Tangerine's application review
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the Tangerine Money-Back Credit Card?
Finish your application on the issuer's own secure site.
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