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Tangerine Credit Cards: Fees, Rates and Rewards of Each Card

Updated

Tangerine’s credit cards include the Money-Back Credit Card and the Money-Back World Mastercard, neither of which has an annual fee, and the Rewards World Elite Mastercard, which earns Scene+ points.

What does each Tangerine credit card cost and earn?

Tangerine's credit cards, from our verified records
CardAnnual feeEarn rateMinimum incomePurchase rateForeign transaction fee
Tangerine Money-Back Credit Card$02% cash back in 2 categories you choose (3 if cash back goes to a Tangerine Savings Account), 0.5% on everything else, no cap$12,000 gross annual income20.95%2.5%
Tangerine Money-Back World Mastercard$02% cash back in 2 categories you choose (3 if rewards go to a Tangerine Savings Account), 0.5% on everything else, no cap$50,000 personal or $80,000 household (or $250,000 in assets under management)20.95%2.5%
Tangerine Rewards World Elite Mastercard$1201.5 Scene+ points per $1 in 3 categories you choose (from 13), 1 on everything else$80,000 personal or $150,000 household (or $400,000 in assets under management)20.95%2.5%

Each card’s fact sheet, linked from its name, has the full terms we checked.

How do Tangerine’s chosen categories work?

On the Money-Back Credit Card you choose two Money-Back categories, and you can change them. On both Money-Back cards, having the cash back deposited in a Tangerine Savings Account adds a third category of your choice. The cash back is credited to the card account every month.

On the Rewards World Elite Mastercard you choose three Accelerator Categories for a higher Scene+ rate and can switch them every 90 days (see our Scene+ hub).

Which Tangerine card suits your spending?

Enter your monthly card spending to rank Tangerine's cards by dollars back a year after fees.

Your monthly spending
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Split a box into the kinds of spending cards treat differently. A blank line uses the typical household's share of its box (Statistics Canada); an amount you type comes out of its box, so nothing is counted twice.

How will you use your points?
Advanced: your own value per program

Cents per point. Leave blank to use the choice above. A value you type is your assumption, not ours.

Filters

Ranked by dollars back a year after fees, for your spending. Welcome offers, benefits and promoted cards never change the order.

  1. 1

    Tangerine Money-Back Credit Card

    $380a year after fees
    • $380 cash back a year
    • Fees $0
    • 0.98% back on spending

    Welcome offer10% bonus cash back on up to $1,000 of purchases in the first 60 days (up to $100), plus 1.95% on balance transfers for 6 statement periods (1% fee).Ends Nov 30, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Purchase protection
    • Extended warranty

    Facts checked Nov 12, 2026 · Card details

  2. 2

    Tangerine Money-Back World Mastercard

    $380a year after fees
    • $380 cash back a year
    • Fees $0
    • 0.98% back on spending

    Welcome offer$120 cash back when you spend $1,500 in your first 90 days.Ends Nov 30, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Purchase protection
    • Extended warranty
    • Mobile device
    • Rental car

    Facts checked Nov 12, 2026 · Card details

  3. 3

    Tangerine Rewards World Elite Mastercard

    $347a year after fees
    • 46,740 points a year at 1¢ (any travel or portal)
    • Fees $120
    • 1.20% back on spending

    Welcome offer50,000 bonus Scene+ points when you spend $5,000 in the first 90 days.Ends Jan 31, 2027. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Baggage
    • +7 more

    Facts checked Nov 12, 2026 · Card details

How do Tangerine clients log in and apply?

Existing clients log in on Tangerine’s site, and the Rewards World Elite Mastercard can be applied for in the Tangerine app.

Compare Tangerine's cards with all 162 cards we've checked, from 24 banks, in the card finder

Sources

The figures and rules on this page come from these sources. About CardNorth.