Independent ClearFin review · Tangerine
Start with 10% cash back for 2 months — up to $100.
Current new-cardmember offer
Certificate terms apply
💸 Choose Your 2%Its strongest published earn rate in our data is 2.0% on dining. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Product page and insurance certificateNew cardmembers can earn 10% cash back for 2 months — up to $100 by completing the steps below.
New-account and eligible-purchase terms apply; the bonus is in addition to regular cash back.
Confirm final approval criteria and current rates directly with the issuer.
Reward limits: No ongoing annual spending caps are published for base or category cash back earnings. Category selection determines where higher earn rates apply. Only promotional offer has explicit limits.
Earning cap
Earning cap
Earning cap
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
No annual fee
The card has a $0 annual fee for primary and additional cardholders.
Customizable cash back categories
Users can choose 2% cash back categories and change them every 90 days based on spending habits.
Flexible redemption options
Cash back can be applied to the credit card balance or deposited into a Tangerine Savings Account monthly.
Introductory cash back bonus
Limited-time 10% cash back offer for new cardholders (up to $100 in value).
Mobile wallet support
Compatible with Apple Pay, Google Pay, and Samsung Pay for secure digital payments.
Fuel savings integration
Linked Shell Go+ partnership allows additional fuel savings when using the card at participating Shell stations.
2 coverages listed. Key terms are summarized below; full certificate terms apply.
Eligible new personal items paid in full with the card can be covered against loss, theft or damage for 90 days, subject to certificate terms and a combined $60,000 lifetime limit with Extended Warranty.
For eligible purchases, the original manufacturer warranty may be doubled up to a maximum of one additional year, subject to certificate terms and the combined $60,000 lifetime limit.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
Review official insurance details ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
2% unlimited cashback in up to 3 categories you choose. 0.5% on everything else. No annual fee.
Dining, Groceries, Gas receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on dining and groceries and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
💸 Choose Your 2%
🎬 Scene+ Boost
🍽️ 4% Dining
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Official Tangerine Money-Back Credit Card product page, rewards terms and Money-Back certificate checked October 11, 2026. The $0 annual fee, 20.95% purchase rate, $12,000 income requirement, 10% introductory cash-back offer, 2% customizable categories, 0.5% base earn and included purchase protections were verified.
