Tangerine Rewards World Elite Mastercard: Everything You Need to Know

The Scene+ rewards credit card family has a new member! The new Tangerine^® Rewards World Elite^®* Mastercard^®* combines the digital-only benefits of Tangerine with one of Canada’s favourite rewards program, Scene+.

In this article, we’ll go over everything you should know about this new card, including how it earns Scene+ points, what sort of perks it provides, and how it compares to other Scene+ credit cards.

Let’s dig in to explore whether the Tangerine^® Rewards World Elite^®* Mastercard^®* should be the next card you add to your rewards roster.

Tangerine Rewards Mastercard Promo image

Tangerine^® Rewards World Elite^®* Mastercard^®*

The Tangerine^® Rewards World Elite^®* Mastercard^®* is a natural addition to the Scene+ family as the first Mastercard to join its ranks.

This card gives more people the chance to earn Scene+ points across all their purchases, and use these valuable points for free travel, groceries, and more.

Compare

Tangerine^® Rewards World Elite Mastercard^®*

Tangerine Scene+

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerAfter $5,000 in 3 months: Up to 50,000 points; Ends Jan 31, 2027

If you are looking for a credit card that rewards generously from the start, the Tangerine^® Rewards World Elite Mastercard^®* is for you.

New cardholders can get up to $1,220 in value in the first year*, plus fuel savings at participating Shell stations. This value includes:

50,000 Scene+ points ($500 value) when you spend $5,000 in Net Purchases within the first 3 months*
10,000 Scene+ points ($100 value) with the Annual Spend Reward when you spend $30,000 in Net Purchases in a year*
$291 in airport lounge value each year: complimentary DragonPass membership through Mastercard Travel Pass, with 4 complimentary lounge visits per year*
About $330 in points earned in the first year: an estimated 33,000 Scene+ points on $30,000 in annual purchases, including $6,000 in accelerated categories*

Apply by January 31, 2027 to take advantage of this offer.

For earning, get 1.5 Scene+ points per dollar in 3 accelerated earning categories of your choice. Choose from 13 categories — groceries, restaurants, gas, drug stores, recurring bill payments, fitness and sports clubs, foreign currency spend and more — and switch them every 90 days to match your needs*. On all your other purchases, you earn 1 Scene+ point per dollar spent, with no earning cap*.

You can earn and redeem your Scene+ points with partners such as Scene+ Travel powered by Expedia, Shell, Home Hardware, Rakuten, Cineplex and Empire Company Limited’s family of brands, including Sobeys, IGA, Safeway, Foodland, FreshCo and Voilà.

The card also includes travel insurance, mobile device insurance and Event Ticket Protection*, as well as exclusive access to The Mastercard Collection*.

Finally, for the first 30 days, transfer your balances and enjoy a promotional rate of only 1.95% for 6 months (1% balance transfer fee)*. Your purchases are also protected by Purchase Assurance and Extended Warranty*, up to $60,000 lifetime.

Save on fuel with Shell

Link your card to Shell Go+ in the Tangerine mobile app or on the Tangerine website to get up to 10¢/L in value at participating Shell stations with a linked Tangerine Rewards World Elite Mastercard:

Instant savings of 3¢ per litre on all grades of Shell fuel.
Save an additional 4¢ per litre when purchasing Shell V-Power^®.
Earn up to 3¢ per litre in Scene+ points value when purchasing Shell V-Power^® fuel.

Legal

*Conditions apply.

*Savings and reward potential in first 12 months includes current welcome offer value, annual point bonus, first year point earn potential and airport lounge savings as of September 25, 2026: $500 in Scene+ points (50,000 bonus Scene+ points) for new clients who spend $5,000 in Net Purchases within the first 3 months; $100 in Scene+ points (10,000 bonus Scene+ points) when you make at least $30,000 in Net Purchases annually on your Account (12 months); CAD$291/USD$210 worth of lounge access annually (membership valued at USD$99/CAD$138 per year and 3 incremental passes valued at USD$37/CAD$51 per pass; currency conversion as of July 31, 2026); estimated first year point earn potential of $330 based on earning 33,000 Scene+ points from $30,000 annual Net Purchases including $6,000 in 1.5x accelerator categories and $24,000 in all other categories. These are estimates provided for illustrative purposes only. Potential First Year Value = up to $1,221 (rounded down to $1,220). The 50,000 Bonus Scene+ Points Offer is only available to new Tangerine Rewards World Elite Mastercard account holders who apply by January 31, 2027. See tangerine.ca/creditcardlegal for full details. Rates and fees are subject to change.

^† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.

Annual fee

Primary card$120

Additional card$0

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

1.5xGroceries
1.5xGas & EV
1.5xBills & recurring payments
1xAll spending

Value

1st Year Value$731

2nd Year Value$380

Card benefits

Airport lounge access$291

Travel insurance

Travel medical (under 55)Included

Travel medical (55-64)Included

Trip CancellationUp to $2,000

Trip InterruptionIncluded

Delayed BaggageIncluded

Lost BaggageIncluded

Flight DelayIncluded

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceIncluded

Auto Rental CollisionIncluded

Card Details

To start our exploration of this card, here’s some key information:

Annual fee of $120
Minimum income requirement of $80,000 individual and $150,000 household
Earns Scene+ points on all purchases
Offers a number helpful perks and benefits

The Tangerine^® Rewards World Elite^®* Mastercard^®* also compliments Tangerine’s other financial products like their bank accounts and their other credit cards, such as the Tangerine Money-Back Credit Card.

Welcome Offer

The Tangerine^® Rewards World Elite^®* Mastercard^®* gives new cardholders the opportunity to earn a welcome offer of up to 50,000 Scene+ points when you spend at least $5,000 in the first 3 months (for applications submitted by January 31, 2027).

This is a pretty accessible offer since you only need to spend an average of about $1,667 on the card each month to earn the full amount.

The value of this welcome offer comes in at around $500, with Scene+ points valued at 1 cent each. Tangerine advertises up to $1,220 in value in the first year once you add the annual 10,000-point bonus, airport lounge access and the points earned on your purchases. This means that by signing up for the Tangerine^® Rewards World Elite^®* Mastercard^®* and meeting the spending requirement, you can easily save hundreds of dollars on groceries, travel expenses, and lots more!

Scene+ Earning Rates

Scene+ is a versatile program, offering access to redemptions ranging from savings at grocery stores and restaurants to free travel.

With the new Tangerine^® Rewards World Elite^®* Mastercard^®*, you earn Scene+ points on all purchases, giving you a new way to access this popular and valuable program.

The Tangerine^® Rewards World Elite^®* Mastercard^®* is designed to fit your personal spending style and priorities, most notably through how it structures it’s earning rates.

With this card, you earn a base rate of 1 Scene+ point per $1 spent. Additionally, you get to choose 3 spending categories that will earn the elevated rate of 1.5 Scene+ per $1 spent.

You can select your top 3 categories from the following 13 options:

Grocery
Restaurants
Gas
Public Transportation and Parking
Entertainment
Furniture
Home Improvement
Hotel-Motel
Drug Store
Recurring Bill Payments
E-Games
Fitness and Sports Clubs
Foreign Currency Spend

Tangerine Rewards Mastercard spending categories

You also can also change your 3 selected categories every 90 days, making the card even more adaptable.

This flexibility means that you can shift your earning focus to suit different spending priorities. For example, perhaps you choose to focus on restaurants, groceries, and gas spending while at home; then, you could switch to foreign currency spend, hotel/motel, and restaurants when you head out on your next longer vacation.

Card Perks and Benefits

With the Tangerine^® Rewards World Elite^®* Mastercard^®*, you not only earn Scene+ points on all your purchases, but you additionally get to enjoy a number of nice perks and benefits.

First, fans of travel will be happy to hear that the card gives you 4 complimentary airport lounge passes each year through DragonPass. These can be used to enjoy over 1,400 airport lounges around the world, making your next trip that much more comfortable.

Additionally, you can earn an annual lifestyle credit of 10,000 Scene+ points (valued at $100) if you spend $30,000 on the card within the year.

The Tangerine^® Rewards World Elite^®* Mastercard^®* also comes with the following valuable insurance coverage:

Comprehensive travel insurance, including trip cancellation/interruption, flight delay, baggage delay, and lost/stolen baggage coverage
Travel medical insurance (for travellers under 65 years old)
Car rental collision coverage
Mobile device insurance

Plus, you also get a bunch of additional benefits such as:

Complimentary 3GB data roaming plan through FlexiRoam
Access to Mastercard’s wide range of perks, including Priceless Experiences and more
Discounts with FUBO and H&R Block
Unique Cirque du Soleil benefits

As a cardholder, you can also save up to 10 cents per litre at Shell gas stations, as follows:

Instantly save 3 cents per litre when you pay using your Tangerine Rewards card
Save 4 cents more per litre when you fill up with Shell V-Power fuel
Earn up to 3 cents per litre in Scene+ points when you pay with the card

This fuel offer has been available across Canada since May 26, 2026.

Who Is This Card For?

The Tangerine^® Rewards World Elite^®* Mastercard^®* is good choice for people who already bank with Tangerine and who want to earn a flexible rewards currency instead of the cash back options available through the Tangerine Money-Back Credit Card and the Tangerine^® Money-Back World Mastercard^®*.

It’s also a solid card choice for new Tangerine customers who are fans of the Scene+ program. The card is particularly valuable for fans of Costco who have been looking for a way to earn Scene+ points when they stock up.

Given the diversity and flexibility of Scene+ point redemptions, the Tangerine^® Rewards World Elite^®* Mastercard^®* can play a key role in saving you money on day-to-day expenses like groceries or on more exciting expenses like your next trip abroad.

Bottom Line

The Tangerine^® Rewards World Elite^®* Mastercard^®* is a natural and welcome addition to the Scene+ family and to Tangerine’s roster of financial products.

Offering the chance to earn Scene+ points on all your purchases and supporting your travel goals with perks and a strong welcome offer, this card is certainly worth consideration.