Illustration, not the actual card design.
Tangerine · Cash back
Tangerine Money-Back World Mastercard
Annual fee
None
Welcome offer
Up to $120 back
Market
Canada · CAD
Biggest part of the offer: Spend $1,500 in the first 90 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
$120
+$120 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 4 benefits with no fixed dollar value, like Rental Car Collision/Loss Damage Insurance, Mobile Device Insurance and Purchase Assurance. 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 Money-Back World Mastercard account holders who apply by November 30, 2026, activate the account within 45 days of approval, and have at least $1,500 in net purchases posted within the 90 days after activation. Below $1,500 you get no cash back under the offer. One offer per client, not transferable. Paid within about 1 to 2 statement cycles after the 90 days, if the account is open and in good standing. Tangerine can change, cancel or extend the offer at any time.
- 1Spend $1,500 in the first 90 days after activation$120 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
- Rental Car Collision/Loss Damage Insurance
Damage or theft of a rental car, rentals up to 31 consecutive days, booked and paid in full with the card
- Mobile Device Insurance
Lost, stolen, accidentally damaged or mechanically failed new phone or tablet, up to $1,000
- Purchase Assurance
Loss, theft or damage on new personal items within 90 days of purchase, when the full cost is paid with the card
- Extended Warranty
Up to 1 additional year of the original manufacturer's warranty (Canada or U.S. warranty), full cost paid 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.