Illustration, not the actual card design.
Tangerine · Cash back
Tangerine Money-Back Credit Card
Annual fee
None
Welcome offer
Up to $100 back
Market
Canada · CAD
Biggest part of the offer: 10% back on up to $1,000 of purchases in the first 60 days after activation.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$100
+$100 welcome bonus
+$0 yearly credits
−$0 fee
Year 2
$0
+$0 yearly credits
−$0 fee
Every year after
$0
+$0 yearly credits
−$0 fee
Plus 2 benefits with no fixed dollar value, like Purchase Assurance and Extended Warranty. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 10, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 30, 2026. Only for new Tangerine Credit Card account holders who apply by November 30, 2026, activate the account within 45 days of approval, and have up to $1,000 in net purchases posted within the 60 days after activation. One offer per client, not transferable. The bonus is credited within 1 to 2 statement cycles after the 60 days, if the account is open and in good standing. Tangerine can change, cancel or extend the offer at any time.
- 110% back on up to $1,000 of purchases in the first 60 days after activation$100 backYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Cash back, straight onto your statement. You pick 2 of the categories marked "if chosen".
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Dining & Restaurants · if chosen | 2% back | 2¢ |
| Groceries · if chosen | 2% back | 2¢ |
| Gas & Fuel · if chosen | 2% back | 2¢ |
| Transit · if chosen | 2% back | 2¢ |
| Drugstore & Pharmacy · if chosen | 2% back | 2¢ |
| Entertainment · if chosen | 2% back | 2¢ |
| Recurring Bills · if chosen | 2% back | 2¢ |
| Everything else | 0.5% back | 0.5¢ |
What else you get
Insurance
- Purchase Assurance
Loss, theft or damage on most new items for 90 days when you pay the full cost with the card
- Extended Warranty
Doubles the manufacturer's warranty, up to 1 extra year, when you pay the full cost with the card
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Tangerine. Card and program names belong to their owners.
Details last checked Oct 10, 2026.