How many times can I change my Tangerine cash back categories per year?

You can change your cash back categories at any time via your online client area or the Tangerine mobile app. There is no limit to the number of changes you can make in a year. However, it is recommended to plan your changes according to your seasonal spending habits to maximize your cash back.

What is the main difference between the Money-Back Card and the Tangerine® Money-Back World Mastercard®*?

Both cards offer exactly the same cash back benefits (2% in 2 categories of your choice, 0.5% everywhere else, with no annual fees). The main difference is in the insurance: the Tangerine Money-Back World Mastercard includes rental car collision/damage insurance and mobile device insurance, in addition to the basic insurance (purchase protection and extended warranty) common to both cards.

How to get the 3rd cash back category with Tangerine cards?

To benefit from a 3rd 2% cash back category, you must:- Be a Tangerine Bank client (free account opening); - Choose to deposit your cash back into your Tangerine savings account rather than applying them to your credit card balance; Once these conditions are met, you can select a 3rd category from the ten available to benefit from the 2% cash back rate.

Is there an annual limit on cash back with Tangerine cards?

No, there is no annual limit on the cash back you can accumulate with Tangerine credit cards. You will continue to receive 2% cash back in your chosen categories and 0.5% on all other purchases, regardless of your annual spending amount. This is a significant advantage compared to many competing cards that impose annual caps.

Are Tangerine cards accepted everywhere in Canada and abroad?

Yes, Tangerine credit cards are Mastercard cards and are therefore accepted wherever Mastercard is accepted, both in Canada and abroad. Furthermore, there are no foreign exchange fees on purchases made in foreign currencies, making them excellent cards for travel. The insurance (purchase protection and extended warranty) also applies to purchases made worldwide.

How is cash back paid out with Tangerine cards?

Cash back is automatically credited each month. You have two options:- Applied to card balance: Cash back is automatically applied to reduce your credit card balance; - Deposit into a Tangerine account: If you are a bank client, you can choose to deposit your cash back into your Tangerine savings account, which gives you access to a 3rd cash back category; The payout is automatic with no action required on your part.

What is the Tangerine credit card rate?

The annual rate varies by card, but most Tangerine cards have an APR of around 19.95% for purchases.

How to change your Tangerine credit card category?

Log in to your Tangerine account online or via the app, then choose “Change My Cash Back Categories” to select the ones you want.

How to apply for a Tangerine credit card?

To get a Tangerine credit card, start by visiting the official Tangerine website. Choose the card that best suits your needs and spending style. Then, complete the online application by providing your personal and financial information. Most applications are processed quickly, and you will generally receive an immediate response or within a few days.