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Tangerine Bank offers two no-annual-fee credit cards providing 2% cash back in two categories of your choice. This unique flexibility allows you to tailor your rewards to your actual spending habits.
On October 28, 2025, Tangerine added 3 cash back categories, increasing the current selection from 10 to 13 categories. The new categories are:
This therefore offers you more opportunities to maximize your cash back on frequent expenses, for example a gym membership, or even expenses over a specific period if you plan to use your Tangerine credit card abroad during a trip. You can change these categories every 90 days to suit your purchases.
In addition, the Tangerine Money-Back World Mastercard Cash Back Card features a new welcome offer: get $120 when you spend $1,500 in the first three months.
Here are the current offers for Tangerine credit cards:
Further on, find all the details on these no annual fee credit cards.
With both Tangerine credit cards, you earn 2% money-back on everyday purchases in 2 categories of your choice. They’re the only ones in Canada to offer this choice!
It’s therefore not limited, like most other cash back cards, to gas stations, grocery stores, pharmacies, or others. You could therefore ask to apply this 2% cash back to your purchases at the stores where you shop the most!
Here are the categories you can choose from:
In other spending categories, you will get 0.5% cash back.
By being a cardholder of one of these cards, you automatically have the right to choose two categories.
If you are a Tangerine Bank customer, and you choose to deposit your cash back into your Tangerine savings account, you will be able to choose a 3rd category!
If you are not a client, don’t hesitate to become one; it’s free and you could get a welcome bonus as we explain here.
The cash back earned is credited monthly to your Tangerine credit card balance.
There is no annual limit to continue accumulating cash back at a 2% rate.
With Tangerine credit cards, there are no membership fees. So it’s a card to keep from year to year to improve your credit report (on the historical aspect). Actually, it’s a no-fee credit card we regularly recommend in our rankings.
You can add as many Tangerine supplementary cards as you wish for free! Convenient for a family, for example.
Another strong point of the Remises Tangerine credit card is its purchase insurance.
The Tangerine Money-Back Credit Card offers:
And that applies to your purchases made anywhere in the world with your card.
As for the Tangerine Money-Back World Mastercard, it adds other insurance benefits:
For more information on this card, check out this article.
Want to get even more rewards?
To maximize your cash back, analyze your spending from the last 12 months and identify your two (or three) most significant spending categories among those offered by Tangerine.
Take advantage of the flexibility to change to optimize your cash back:
Tangerine cards stand out in the Canadian market due to their unique flexibility. Here’s how they compare:
If you have significant purchases to make (such as appliances, renovations, furniture, etc.), it would be wise to subscribe to one of these Tangerine credit cards and choose the spending categories that suit you.
Especially since these Tangerine credit cards, free year after year, are perfect for making purchases that may require an extended warranty!
Savings are here (if you don’t see the sign-up form, please click here):
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