- Special Offer: Get $120 with a Tangerine® Money-Back World Mastercard®*. Spend $1,500 in your first 3 months to enjoy this bonus.* Plus, get a promotional rate of 1.95% on balance transfers for 6 months (1% balance transfer fee).** Conditions apply. Offer expires November 30, 2026.
- 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.
- Rental Car Collision/Loss Damage Insurance: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.
- Mobile Device Insurance: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.
- Purchase Assurance and Extended Warranty: May cover loss, theft or damage on most new purchases for 90 days, and may double the period of repair services to a maximum of one additional year, up to a lifetime maximum of $60,000.
- Airport lounge access: Access 1,300+ airport lounges in more than 140 countries through Mastercard Travel Pass provided by DragonPass.
- FlexiRoam: A complimentary 1GB global data roaming plan and 15% off data plans.
- Fubo: Save $30 on your first three months of Fubo (excludes Quebec).
- 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:
- Minimum income: $50,000, or household income: $80,000, or $250,000 in Tangerine Savings and/or Investment Fund Accounts
- 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). *$120 Offer: Available to new Tangerine Money-Back World Mastercard Account holders who apply by November 30, 2026, activate their Account within 45 days of approval, and have at least $1,500 in total Net Purchases posted within the 90-day promotional period beginning on the activation date. The $120 bonus is credited within approximately 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%. Mastercard World benefits are provided by Mastercard International or its affiliates or other third parties and are subject to change. Tangerine Bank is not responsible for any Mastercard World Benefits. Insurance coverage is subject to eligibility, limitations and exclusions.