The ClearFin bottom line
🎬 Scene+ Boost
Its strongest published earn rate in our data is 1.5% on dining. The $120 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · Tangerine
Tangerine Rewards World Elite Mastercard
Start with up to $600 in advertised value.
Independent comparisonFees includedCanadian card data
- Annual fee
- $120
- Reward type
- Scene+
- Welcome offer
- $600
- Insurance
- 1 coverages
Current new-cardmember offer
Certificate terms apply
$120cash rebate*
🎬 Scene+ Boost
🎬 Scene+ Boost
Welcome bonus
Up to $600 in advertised value
New cardmembers can earn up to $600 in advertised value by completing the steps below.
Offer details
The issuer combines introductory rewards and selected benefits in this value estimate. Review the current offer breakdown before applying.
How you earn
- Earn 1 Scene+ point per $1 spent on eligible purchases
- Earn 1.5x Scene+ points in 3 chosen accelerated categories
- Categories can be changed every 90 days (e.g., groceries, restaurants, gas, entertainment, hotels, drug stores, recurring bills, home improvement, transit, parking, e-games, fitness, foreign currency)
- Redeem Scene+ points for travel, groceries, dining, entertainment, fuel, and statement credit
- 100 Scene+ points = $1 redemption value
- Points earned everywhere Mastercard is accepted on eligible purchases
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$120
Purchase interest20.95%
Cash advance interest22.95%
Foreign transaction fee2.5%
Income requirement$80,000Issuer approval criteria apply
Additional card$30
Household income$150,000Alternative minimum
Recommended credit score660+ Good to Excellent (Prime to Upper-Prime tier)
Not officially disclosed by issuer; inferred from World Elite Mastercard underwriting criteria and income thresholds.
300Poor
560Fair
660+Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria.
Reward limits: No fixed annual dollar caps on base earn rates are explicitly defined. Earn rates are governed by category selection rules, MCC classification, and promotional eligibility. Accelerated earn categories can be changed every 90 days.
Earning cap
Earning cap
Earning cap
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem Scene+ points with participating grocery, entertainment, dining, and retail partners.
Use eligible Scene+ points toward travel booked through the program; redemption values and availability vary.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Fuel savings at Shell
Up to 10¢/L in value at participating Shell stations when linked with Shell Go+ and eligible Scene+ earning conditions.
Airport lounge access
4 complimentary DragonPass airport lounge visits annually through Mastercard Travel Pass membership.
Travel rewards flexibility
Redeem Scene+ points for flights, hotels, car rentals, and travel purchases via Scene+ Travel or statement credit.
Premium Mastercard perks
Access to Mastercard Collection benefits including dining, entertainment, Priceless experiences, and partner offers.
Comprehensive insurance coverage
Includes travel emergency medical, trip cancellation/interruption, car rental collision, mobile device insurance, and more.
Purchase protection
Extended warranty and purchase assurance coverage on eligible items, plus event ticket protection.
Flexible rewards management
Use Benefinder tool in app to track rewards, manage categories, and monitor welcome bonus progress.
Protection included
Insurance at a glance
1 coverage listed. Key terms are summarized below; full certificate terms apply.
Airport lounge passes & travel insurances
This coverage is listed in ClearFin's card catalogue. Confirm eligibility, limits, exclusions, and payment requirements in the issuer's current insurance certificate.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
The verdict
What we like
- Earn 1 Scene+ point per $1 on all eligible purchases with no category requirement
- Earn 1.5x Scene+ points in 3 customizable categories (changeable every 90 days)
- Strong premium travel and lifestyle benefits including 4 DragonPass lounge passes annually and comprehensive insurance coverage
Worth noting
- High annual fee of $120 for primary cardholder and $30 for each additional cardholder
- Requires high income or asset thresholds ($80K personal / $150K household / $400K assets under management)
- Foreign currency purchases subject to standard 2.5% FX conversion fee and high interest rates (20.95% purchases, 22.95% cash advances)
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
🎬 Scene+ Boost
1.5x Scene+ on 3 chosen Accelerator categories (switch every 90 days). 1x else. Up to 10¢/L at Shell.
How the rewards work
Dining, Groceries, Gas receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $8,000 in annual spending at that rate would equal the $120 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
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.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.