Tangerine

Tangerine Money-Back World Mastercard

Start with $100 cash back welcome offer.

Annual fee: $0
Reward type: Cash Back
Income required: $50,000
Typical credit · 660+: 300+Poor
640+Fair
720+Good
760+Very Good
800+Excellent

💸 Choose Your 2%

Welcome bonus

New cardmembers can earn $100 cash back welcome offer by completing the steps below.

How to earn it

$100 cash back bonusSpend $1,500 in net purchases within first 90 days of account opening

New Tangerine Money-Back World Mastercard cardholders who apply and are approved, and meet promotional spend conditions.

Earn 2% cash back in up to 3 categories of your choice
Categories include grocery, restaurants, gas, entertainment, furniture, hotel/motel, drug stores, recurring bill payments, home improvement, public transit, parking, e-games, fitness, and foreign currency spend
0.5% cash back on all other eligible purchases
Ability to change 2% categories every 90 days
Optional third 2% category when depositing rewards into a Tangerine Savings Account
Cash back is paid monthly and can be automatically deposited or applied to balance
Special offer: $100 bonus cash back after spending $1,500 in first 90 days

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.

What we like

No annual fee with strong cashback structure across flexible categories
Ability to earn 2% cash back in up to 3 customizable categories with 90-day rotation flexibility
Monthly cash back redemption plus optional Shell Go+ fuel savings integration

Worth noting

Foreign transaction fee of 2.5% applies to all non-CAD purchases
Requires minimum income or asset thresholds for eligibility ($50K personal / $80K household / $250K assets)
Cash back structure depends heavily on category selection and MCC classification, limiting flexibility for uncategorized high spend

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