Highlights
- No annual fee, with up to five Authorized Users at no additional annual fee.
- When cash back is deposited into a Tangerine Savings Account, choose three categories to earn unlimited 2% cash back.
- Link the card to Shell Go+ to save 3¢ per litre instantly at participating Shell stations.
Issuer: Tangerine Bank
Payment network: Mastercard
Product type: Credit card
Annual fee: $0; up to five Authorized Users at no annual fee
Foreign currency conversion fee: 2.50% added after the transaction is converted to Canadian dollars
This is a cash-back credit card in the Tangerine Money-Back Rewards Program. The primary cardholder can have rewards deposited monthly into a Tangerine Savings Account or applied as a statement credit to the card. Cash back cannot be withdrawn as cash or transferred to another financial institution.
Welcome Offer
【August 22, 2026 update】 Up to $100 in extra cash back during the first two months, plus an additional $75
- New Tangerine Credit Card Account holders must apply by September 30, 2026 and activate the account within 45 days of approval. Earn a 10% extra cash-back bonus on up to $1,000 in eligible net purchases during the 60 days beginning on activation, for a maximum bonus of $100. The bonus is credited to the primary cardholder’s account within one or two statement cycles after the 60-day period. The account must be open and in Good Standing when the bonus is paid. One offer per eligible client; Tangerine may change, cancel, or extend the offer.
- A balance transfer completed within 30 days of account opening receives a 1.95% promotional rate for six statement periods from the date the last eligible transfer posts. A 1% fee applies to each transfer, waived for Quebec residents. The card must be activated within 45 days of approval. After the promotional period, any remaining balance is charged the 22.95% cash-advance interest rate; balance transfers have no grace period.
- Apply through the blog partner cash-back website to receive an additional $75 reward.
Eligibility: at least $12,000 in annual income, age of majority in the province or territory, Canadian residency, and no bankruptcy in the previous seven years.
Apply through the blog partner cash-back link🔗
Everyday Spending
2%: Eligible net purchases in selected categories. When rewards are deposited into a Tangerine Savings Account, choose three 2% categories; when rewards are applied as a statement credit, choose two. Categories include Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Recurring Bill Payments, Home Improvement, Public Transportation and Parking, E-Games, Fitness and Sports Clubs, and Foreign Currency Spend. You can request a category change at any time after opening the card. After each change takes effect, the selection must remain in place for 90 days before another request can take effect on the first subsequent Billing Date. The payment network and merchant determine the merchant category code (MCC). Tangerine does not reissue rewards or reclassify transactions that are not identified in a selected category. Wholesale clubs, general-merchandise stores, convenience stores, and some discount or specialty food stores may not earn 2%. Foreign-currency spending is calculated using the Canadian-dollar amount when the transaction posts; dynamic currency conversion may prevent the transaction from posting as foreign-currency spend and therefore from qualifying for that category.
0.5%: All other eligible net purchases. Cash advances, balance transfers, cash-like transactions, interest, fees, insurance premiums, adjustments, returns, and merchant credits do not earn cash back. The transaction must post while the account is in Good Standing. Cash back is calculated in Canadian dollars and rounded to the nearest cent, then usually deposited into the selected account on or around each Billing Date or the next business day.
Benefits & Insurance
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Shell Fuel Benefit
Link the card to a Shell Go+ account and use it to buy any grade of fuel at participating Shell stations to save 3¢ per litre instantly, up to 1,000 litres per Credit Card Account per month. The limit resets at the beginning of each month. If Gas is also selected as a 2% category and the payment network classifies the purchase as eligible retail automobile fuel at a Service Station, it earns another 2% cash back. Non-retail purchases and non-automobile fuel do not qualify for the category. The website’s advertised value of up to 8¢ per litre also assumes linked Scene+ and Shell Go+ accounts, V-Power fuel, and a fuel price of at least $1.50 per litre; it is not a card-only guarantee.
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Free Authorized Users
The primary cardholder can add up to five Authorized Users to the same account at no annual fee. All cards share one credit limit, and Authorized User purchases also earn Money-Back Rewards, but rewards are paid only to the primary cardholder. The primary cardholder is responsible for all Authorized User transactions and the account balance. Authorized Users cannot change the credit limit or make a balance transfer.
Purchase Insurance
Official insurance certificate🔗
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Purchase Assurance
The Full Cost, including tax, of an eligible new tangible personal-use item must be paid with this card. Store credits, gift cards, reward points, and purchases whose instalments have not all been paid do not meet the Full Cost requirement. Without registration, coverage applies for 90 days from purchase to loss, theft, or accidental damage, as excess coverage after other insurance. Once approved, the insurer may require repair or replacement; reimbursement requires proof that the repair or replacement was paid with this card and cannot exceed the original Full Cost. Gifts are covered, but the cardholder must submit the claim. Cash, tickets, artwork, used or refurbished items, consumables, vehicles, services, business-use items, and delivery damage are excluded. The combined lifetime liability with Extended Warranty is $60,000.
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Extended Warranty
The item’s Full Cost must also be paid with this card. When the written manufacturer warranty is valid in Canada or the United States, the coverage doubles the original repair period by up to one additional year. Items with a manufacturer warranty of less than five years qualify directly; warranties of five years or more must be registered with the insurer within one year of purchase. Once approved, repair or replacement must follow the insurer’s requirements, and reimbursement cannot exceed the original purchase price shown on the card statement. Gifts can be covered, but the cardholder still submits the claim. Vehicles, used or refurbished items, business use, dealer or assembler warranties, and service obligations not covered by the original manufacturer warranty are excluded. Coverage ends when the additional warranty period ends, the account is no longer in Good Standing, or the cardholder is no longer eligible.
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How to File a Claim
Immediately after discovering the loss, and before any repair or replacement, notify Assurant through
cardbenefits.assurant.comor by calling 1-855-255-6050. Suspected theft or malicious acts must be reported to police immediately. Keep the statement, merchant receipt, manufacturer warranty, damage photos or police report, and information about other insurance. Failure to submit proof of loss within 90 days may result in a denied claim; written notice and proof must be provided no later than one year after the loss. This insurance is strictly excess coverage, so other available insurance must be claimed first, although it may cover another policy’s deductible.
Our Take
For welcome offers and everyday spending, this Money-Back Credit Card is almost identical to Tangerine’s Money-Back World Mastercard. The main difference is that it has fewer insurance benefits, but its application threshold is lower.
Other Updates
【September 23, 2025 update】 More 2% cash-back categories became available.
Starting October 25, the card added Fitness and Sports Clubs, E-Games, and Foreign Currency Spend. There are now 13 categories to choose from.
