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The Tangerine Bank offers two no-annual-fee credit cards that provide 2% cash back in two spending categories of your choice. This flexibility allows you to tailor your rewards to your spending habits, whether for groceries, gas, restaurants, or recurring payments.
Unlike several cards with fixed categories, you can select the categories that best suit your budget and even change them as needed. All other eligible purchases earn 0.5% cash back.
If you’re looking for a no-annual-fee credit card in Canada with flexible cash back, Tangerine cards are a simple and advantageous option to maximize your everyday rewards, while keeping an eye on your transactions, purchases, and credit card account.
On October 28, 2025, Tangerine added three cash back categories, increasing the current selection from 10 to 13 categories. The new categories are:
This gives you more opportunities to maximize your cash back on frequent expenses, such as a gym membership, or even occasional ones if you plan to use your Tangerine credit card abroad during a trip. You can change these categories every 90 days to adapt them to your purchases and track these changes directly on your card account via your monthly statement.
In addition, the Tangerine® Money-Back World Mastercard®* features a new promotional offer: get $120 when you spend $1,500 within the first three months. This limited-time offer allows you to fully benefit from the total net purchases posted and manage your payments, while taking into account any fees, insurance premiums, and adjustments related to your account.
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 request to apply your payments to your account and benefit from this 2% cash back on your purchases at the merchants where you shop the most!
Furthermore, it is important to be familiar with the credit card agreement, the payment due dates indicated, and the minimum payment required to fully enjoy your benefits without fees, insurance, or other additional adjustments.
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 client and choose to deposit your cash back into your Tangerine Savings Account, you can choose a 3rd category and benefit from the terms of the Tangerine cash back program. You can also take advantage of balance transfers if you wish to consolidate your debts, as well as an interest-free grace period on your new purchases.
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 on your eligible purchases, but note that advances, including cash advances and balance transfers, as well as quasi-cash transactions, are not eligible for cash back.
With Tangerine credit cards, there are no annual fees. It is therefore a card to keep year after year to improve your credit score (regarding history) and to stay up-to-date with your bank accounts. Actually, it’s a no-fee credit card we regularly recommend in our rankings.
Also, be sure to respect the credit card deadline for making your payments to maximize your benefits.
You can add as many additional Tangerine cards as you wish, free of charge! This is practical for a family, for example, and for easily managing account holders and authorized insured parties on your account.
Another strong point of the Tangerine Cash Back 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.
Regarding the Tangerine® Money-Back World Mastercard®*, it adds additional insurance benefits:
For more information on this card, check out this article.
Want to get even more rewards?
To maximize your rewards, analyze your spending over the past 12 months and identify your two (or three) largest spending categories among those offered by Tangerine, using keyword search to pinpoint your most frequent purchases.
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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