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Pros & Cons
Pros
- +Welcome Bonus: Up to $100
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
If you have an individual income of $60,000 or a household income of $80,000, you can choose the Tangerine® Money-Back World Mastercard®*.
This credit card has no annual fee and allows you to earn cash back on your everyday purchases. With the current offer, you can get $100 when you spend $1,500 within your first three months††.
You get 2% unlimited cash back in 2 categories of your choice and 0.5% on all your other purchases. Plus, you can unlock a third 2% category when your cash back is deposited into a Tangerine Savings Account.
Choose from 13 spending categories (groceries, gas, restaurants, and more) and change them every 90 days to match your habits◊.
The card also includes useful protections, including purchase assurance and extended warranty5, as well as mobile device insurance and coverage for rental vehicles5.
Finally, you can transfer high-interest credit card balances and enjoy a promotional rate of 1.95% for 6 months (a 1% transfer fee applies)11.
Save on fuel with Shell
All Tangerine cardholders can get savings and rewards on fuel with Shell and Scene+ when you link your cards to your Shell Go+ account. Get up to 8¢/L in value with a linked Money-Back World Mastercard or Money-Back Credit Card:
- Instant savings of 3¢ per litre on all grades of Shell fuel.
- Earn up to 3¢ per litre in cash back with fuel selected as a 2% category.
- Earn 1¢ per litre in Scene+ points value on all grades of Shell fuel, or 2¢ per litre in Scene+ points value on Shell V-Power® when you link your Scene+ Account to Shell Go+.
Rewards
All Spending
0.5x
Cash Back pts per dollar
Groceries
2x
Cash Back pts per dollar
Gas
2x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$312
$/yr
Estimated Value
$312
After Fees
+$312
1st Year Value
$412
incl. welcome bonus
Annual rewards breakdown
- Earn $100 Cash Back after $1,500 in purchases within the first 3 months
Perks & Benefits
Accepted at Costco
Included
Additional Benefits
Shell fuel benefit: 8¢ per litre in value at Shell stations.
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Included
Auto Rental
Included
Fees and interest rates
- Annual Fee$0
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate20.95%
- Balance transfer rate22.95%
- Cash advance rate22.95%
- Balance Transfer Promo1.95%
Intro period: 6 · Fee: 1%
Eligibility
Personal Income
$50,000
Household Income
$80,000
Terms & Conditions
Card Features
- Get $100 with a Tangerine® Money-Back World Mastercard®*.
- Spend $1,500 in your first 3 months to enjoy this Bonus.††
- Get 2% unlimited cash back in 2 categories of your choice and 0.5% on all your other purchases.
- Plus, unlock a third 2% category when your cash back is deposited into a Tangerine Savings Account.
Legal
*Conditions apply.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
Related Cards
FAQ
What are the annual fees for the Tangerine World Mastercard Cash Back?
The Tangerine World Mastercard Cash Back has no annual fees, and authorized users are also free.
How does the Tangerine World Mastercard Cash Back system work?
The Tangerine World Mastercard Cash Back offers 2% unlimited cash back in up to 3 categories of your choice and 0.5% on everything else.
How to get a 3rd 2% category with the Tangerine World Mastercard Cash Back?
With the Tangerine World Mastercard Cash Back, deposit your cash back into a Tangerine Savings Account to unlock a 3rd 2% cash back category.
What are the available categories for 2% cash back with the Tangerine World Mastercard Cash Back?
The Tangerine World Mastercard Cash Back offers groceries, restaurants, gas, entertainment, home improvement, hotels, pharmacy, bills, home renovations, transportation, gaming, fitness, and foreign currency purchases.
What minimum income does the Tangerine World Mastercard Cash Back require?
The Tangerine World Mastercard Cash Back requires a personal income of $50,000 or a household income of $80,000.
Can one change the cash back categories with the Tangerine World Mastercard Cash Back?
Yes, with the Tangerine World Mastercard Cash Back, you can modify your cash back categories every 90 days to suit your spending habits.
Does the Tangerine World Mastercard Cash Back offer access to airport lounges?
Yes, the Tangerine World Mastercard Cash Back provides access to over 1,300 airport lounges via DragonPass in over 140 countries.
What insurance does the Tangerine World Mastercard Cash Back offer?
The Tangerine World Mastercard Cash Back includes purchase assurance, extended warranty, mobile device insurance ($1,000), and car rental insurance.
Does the Tangerine World Mastercard Cash Back offer international data?
Yes, the Tangerine World Mastercard Cash Back includes FlexiRoam with 1 GB of free international data and a 15% discount on subsequent plans.
How many authorized users can one have with the Tangerine World Mastercard Cash Back?
The Tangerine World Mastercard Cash Back allows up to 5 free authorized users on your account.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Tangerine. All trademarks are property of their respective owners.