Tangerine Credit Cards: Cash Back and Categories You Choose
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The Tangerine credit cards let you earn cash back with no annual fee and great flexibility in your spending categories. They’re designed for consumers who want to optimize everyday purchases like groceries, gas, or restaurants.
In practical terms, Tangerine credit cards offer a 2% cash back rate in two categories of your choice, which you can change based on your needs. All other purchases earn 0.5% cash back, with no annual cap.
This way, you can tailor your credit card to your spending habits and adjust your categories based on your actual expenses. It’s a simple solution to maximize your rewards while keeping your budget under control.
New categories and welcome offers for Tangerine credit cards
Tangerine has added three cash back categories, increasing the current selection from 10 to 13 categories. The new categories are:
- E-Games
- Fitness and Sports Clubs
- Foreign Currency Purchases
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 yourTangerine credit cardabroad 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.
No annual fee Tangerine credit cards
Here are the current offers for Tangerine credit cards:
Further on, find all the details on these no annual fee credit cards.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 |
Tangerine Money-Back Credit Card
The Tangerine Money-Back Credit Card has no annual fee and offers cash back.
With this limited-time welcome offer, you can earn an extra 10% cash back (up to $100) when you spend up to $1,000 on everyday purchases in the first 2 months.
You can choose two or three purchase categories that suit you (groceries, gas, furniture, home improvement, recurring bills, pharmacy, etc.) to earn 2% cash back, with no annual cap on cash back. It’s also one of the best credit cards for home renovations.
Plus, the Tangerine Money-Back Credit Card includes several purchase protection benefits:
- 90-day purchase protection
- One-year extended warranty
Finally, within the first 30 days of holding the card, transfer credit card balances and pay only 1.95% interest on those balances for the first 6 months.
Fuel savings at Shell
All Tangerine cardholders can enjoy fuel discounts and rewards at Shell and with Scene+™ by linking their cards to their Shell Go+ account. Get up to 8¢/L in value with a linked Tangerine Money-Back World Mastercard or Tangerine Money-Back Credit Card:
- Instant discount of 3¢ per litre on all Shell fuel grades.
- Up to 3¢ per litre in cash back when gas is selected as a 2% category.
- 1¢ per litre in Scene+™ points value on all Shell fuel grades, or 2¢ per litre in Scene+™ points value on Shell V-Power® fuel when your Scene+™ account is linked to Shell Go+.
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $100
- Welcome offerAfter $1,000 in 2 months
- Up to $100 cash back
- Ends Nov 30, 2026
Apply Now
on Tangerine's website
Tangerine® Money-Back World Mastercard®*
If you have a personal income of $50,000 or a household income of $80,000, you can choose the Tangerine® Money-Back World Mastercard®*.
This credit card has no annual fee and lets you earn cash back on everyday purchases. With the current offer, you can get $120 when you spend $1,500 within your first three months††.
You earn unlimited 2% cash back in 2 categories of your choice and 0.5% on all 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 protection and extended warranty5, as well as mobile device insurance and coverage for rental cars5.
Finally, you can transfer high-interest credit card balances and take advantage of a promotional rate of 1.95% for 6 months (a 1% transfer fee applies)11.
Fuel savings at Shell
All Tangerine cardholders can enjoy fuel discounts and rewards at Shell and with Scene+™ by linking their cards to their Shell Go+ account. Get up to 8¢/L in value with a linked Tangerine Money-Back World Mastercard or Tangerine Money-Back Credit Card:
- Instant discount of 3¢ per litre on all Shell fuel grades.
- Up to 3¢ per litre in cash back when gas is selected as a 2% category.
- 1¢ per litre in Scene+™ points value on all Shell fuel grades, or 2¢ per litre in Scene+™ points value on Shell V-Power® fuel when your Scene+™ account is linked to Shell Go+.
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$120Total$120Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $120
- Welcome offerAfter $1,500 in 3 months
- $120 cash back
- Ends Nov 30, 2026
Apply Now
on Tangerine's website
Customizable categories for Tangerine 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.
Tangerine Credit Card – The 13 Categories Available in 2026
Here are the categories you can choose from:
- Grocery
- Furniture
- Restaurants
- Hotels-motels
- Gas
- Recurring bill payments
- Pharmacy
- Home Improvement
- Entertainment
- Public transportation and parking
- E-Games
- Fitness and Sports Clubs
- Foreign Currency Purchases
In other spending categories, you will get 0.5% cash back.
Tangerine Credit Card – How to Get a 3rd Bonus Category
By being a cardholder of one of these cards, you automatically have the right to choose two categories.
If you’re 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, feel free to become one; it is free and you could receive a welcome bonus, as we explain here in this Tangerine offer.
Benefits of Tangerine credit cards
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.
No annual fee
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 annual 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.
Free additional cards
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.
Insurance Included
Another strong point of the Tangerine Cash Back Credit Card is its purchase insurance.
Tangerine Credit Card – Insurance Common to Both Cards
The Tangerine Money-Back Credit Card offers:
- Purchase Insurance (up to 90 days)
- One-year extended warranty
And that applies to your purchases made anywhere in the world with your card.
Tangerine Credit Card – Insurance Exclusive to the Tangerine® Money-Back World Mastercard®*
Regarding the Tangerine® Money-Back World Mastercard®*, it adds additional insurance benefits:
- Rental Car Collision/Loss Damage Insurance
- Mobile Device Insurance
For more information on this card, check out this article.
Credit cards and Tangerine account
Want to get even more rewards?
Tangerine Savings Account
Until November 30, 2026, you can get an interest rate of 4.50% for 5 months† by opening a Tangerine Savings Account!
Here are the main features of the Tangerine Savings Account:
- No service fees or other fees
- No minimum balance required
- Competitive interest rate
- Interest calculated daily and paid monthly
- Manage your savings through the Tangerine mobile app
The promotional rate applies to new deposits, up to a maximum of $1,000,000.
Regular interest rate of 0.30% and no minimum balance required.
Optimizing cash back
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.
Adjust your categories seasonally
Take advantage of the flexibility to change to optimize your cash back:
- Summer: Gas and restaurants for holidays
- Fall: Groceries and pharmacy for back-to-school
- Winter: Hotels and entertainment for the holidays
- Spring: Renovations and home furnishings
Comparison with the Competition
Tangerine cards stand out in the Canadian market due to their unique flexibility. Here’s how they compare:
| feature | Tangerine | typical competitors |
|---|---|---|
| Category choice | ✅ Customizable | ❌ Fixed |
| Annual Fee | ✅ $0 | ❌ $0 to $120 |
| Cash back rate | ✅ 2% in 2-3 categories | ✅ 1-5% depending on card |
| Annual Limit | ✅ None | ❌ Often present |
Conclusion
The Tangerine credit cards are particularly interesting if you want to optimize major expenses like groceries, renovations, or furniture purchases.
Thanks to their flexible cash back and no annual fee, they’re a simple and effective option for earning rewards on everyday purchases.
In addition, their purchase protection and extended warranty make them practical cards for consumers looking for value and simplicity.
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$120Total$120Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $120
- Welcome offerAfter $1,500 in 3 months
- $120 cash back
- Ends Nov 30, 2026
Apply Now
on Tangerine's website
Tangerine Credit Cards – FAQ
How many times can I change my Tangerine cash back categories per year?
You can change your cash back categories at any time from your online account or the Tangerine mobile app. There’s no annual limit, so you can adjust your choices based on your spending habits.
What is the main difference between the Money-Back Card and the Tangerine® Money-Back World Mastercard®*?
Both cards offer the same cash back rates: 2% in two categories and 0.5% on other purchases, with no annual fee. The main difference is the additional insurance coverage offered by the World Mastercard version, notably for rental cars and mobile devices.
How do you get a 3rd cash back category with Tangerine cards?
To get a third 2% category, you must deposit your cash back into a Tangerine Savings Account rather than applying it directly to your card balance. Once this option is enabled, you can choose an additional category from those offered.
Is there an annual limit on cash back with Tangerine cards?
No, Tangerine credit cards don’t impose any annual cap on cash back. You earn 2% and 0.5% on all eligible purchases, with no limit on the total amount.
Are Tangerine cards accepted everywhere in Canada and abroad?
Yes, Tangerine credit cards are Mastercards accepted at most merchants in Canada and internationally. They’re also well-suited for travel, notably thanks to their worldwide acceptance.
How is cash back paid out with Tangerine credit cards?
Cash back is automatically credited each month. It can be applied to your card balance or deposited into a Tangerine account. In that case, you can also get a 3rd 2% cash back category.