- Special Offer: Apply for a Tangerine Money-Back Credit Card by November 30, 2026. If you’re approved, you’ll earn an extra 10% cash back (up to $100) on everyday purchases made in your first 2 months.* Plus, get a promotional rate of 1.95% on balance transfers for 6 months (1% balance transfer fee).** Conditions apply.
- Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice.
- Earn 0.50% Money-Back Rewards on all other purchases.
- Have your Money-Back Rewards deposited into a Tangerine Savings Account and get a 3rd 2% Money-Back Category.
- No limit on the amount of Money-Back Rewards you can earn, and your cash back is paid monthly.
- Change your 2% Money-Back Categories to suit your spending.
- Free cards for up to 5 Authorized Users on your Account.
- Purchase Assurance: May automatically cover loss, theft or damage on most new purchases for 90 days from the date of purchase.
- Extended Warranty: May double the period of repair services, to a maximum of one additional year. Purchase Assurance and Extended Warranty have a lifetime maximum of $60,000.
- Get up to 8¢ per litre in value at participating Shell stations when you link your card to Shell Go+.
Annual Fee: $0
Rates:
- 20.95% on purchases
- 22.95% on cash advances (including balance transfers)
Min. Credit Score Range Recommended:
Good-Excellent
Eligibility Requirements:
- Age of majority in your province or territory
- Permanent resident of Canada
- No bankruptcies in the last 7 years
- Recommended credit score: good-excellent
Legal (from issuer):
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank. ®/TM Mastercard and the Mastercard Brand Mark are registered trademarks and tap & go is a trademark of Mastercard International Incorporated. Applicants will have to consent to a credit check as part of the application process. Accounts must be in Good Standing in order to receive Money-Back Rewards. Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers. Annual Interest Rates: The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers). *10% Offer: Available to new Tangerine Credit Card Account holders who apply for a Tangerine Money-Back Credit Card by November 30, 2026, activate their Account within 45 days of approval, and earn the 10% bonus on up to $1,000 in total Net Purchases posted within the 60-day period beginning on the activation date. The bonus (up to $100) is credited within 1–2 statement cycles after the promotional period, provided the Account is open and in Good Standing. Limit of one Offer per eligible Client. Offer may be changed, cancelled or extended at any time. **Balance Transfer Offer: The 1.95% promotional rate applies to Balance Transfers requested within 30 days of Account approval and lasts for 6 Statement Periods. A 1% Balance Transfer Fee applies (waived for Quebec residents). Any amount still owing after the promotional period is charged the Cash Advance interest rate of 22.95%.