Independent ClearFin review · Tangerine
Start with $100 after $1,500 in purchases in the first 3 months.
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 · Official issuer catalogueNew cardmembers can earn $100 after $1,500 in purchases in the first 3 months by completing the steps below.
New-account, eligible-purchase and account-standing conditions apply.
Confirm final approval criteria and current rates directly with the issuer.
Not explicitly disclosed by issuer.
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. Approval is based on credit assessment plus eligibility criteria including $50,000 personal income OR $80,000 household income OR $250,000 in assets. Applicant must be Canadian resident, age of majority, and have no bankruptcy in past 7 years.
Reward limits: No explicit annual or lifetime spending caps are defined for ongoing cash back earn rates. Earnings are governed by category selection rules and promotional eligibility thresholds.
Earning cap
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 cardholders and up to 5 free authorized users.
Category-based cashback flexibility
Choose 2% cash back categories and change them every 90 days to match spending habits.
Monthly cash back redemption
Cash back is paid monthly and can be automatically deposited into a Tangerine Savings Account or applied to the credit balance.
Shell fuel savings integration
Linked Shell Go+ account provides up to 8¢/L combined fuel savings and rewards value.
Insurance coverage package
Includes purchase assurance, extended warranty, mobile device insurance, and rental car collision/loss damage insurance.
World Mastercard lifestyle benefits
Access to Mastercard World perks including dining, travel offers, entertainment deals, and partner discounts.
Digital wallet support
Compatible with Apple Pay, Google Pay, and Samsung Pay for contactless payments.
1 coverage listed. Key terms are summarized below; full certificate terms apply.
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.
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. World Mastercard benefits. No 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. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
