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Best Tangerine Credit Cards in Canada for November 2025
Published Nov 19, 2025 6:17 PM • 5 min read
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Credit Card Expert
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Credit Card ExpertWhen it comes to customizable cashback, Tangerine has Canadians covered with two unique contenders. While both cards boast the same exclusive rewards system, the Tangerine Money-Back World Mastercard includes extra perks and coverage, but you'll have to meet some annual income requirements to qualify.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
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FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
Tangerine® Money-Back World Mastercard®*: Best Overall
Tangerine Money-Back Mastercard: Best Accessible Alternative
Best Tangerine Credit Cards in Canada
Our choice for: Best Overall
APPLY NOW
on Tangerine's website
Welcome Bonus
$120 bonus after spending $1.5k in 3 months†† + 1.95% balance transfer promo rate for 6 months†
Annual Fee
$0
Interest Rates
20.95%* / 22.95%*
While we think Tangerine World Mastercard isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. For no annual fees
Pros
- Allows you to change the categories, and you get a 2% reward depending on how your spending is changing every 90 days.
- 2% cashback on recurring Transactions and pharmacy purchases. One of the highest cashback rates on these categories among credit cards in Canada.
- Has cashback on Furniture and Home Improvement categories. Two categories that are not covered by any other card in Canada.
- Overall, it is a good no-annual-fee cashback credit card, especially if you have a Tangerine Savings account.
- A few benefits such as free DragonPass for lounge access, Boingo Wi-Fi, and insurances like mobile insurance and car rental theft and damage insurance.
Cons
- With these income and credit score requirements, there are cards with no annual fees that offer much higher rewards and benefits.
- Very low cashback rate on the other categories not selected.
Rewards
- 2% Money-Back Rewards on your choice of two categories from the 13 offered by Tangerine (Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Reccurring Bill Payments, Home Improvement, Public Transportation and Parking and more). Change them up every 90 days to match spending habits.
- Have your Money-Back Rewards deposited into a Tangerine Savings Account and get a third 2% Money-Back Category.
- 0.5% cashback on all other eligible purchases.
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
1 year
Mobile Device Insurance
$1,000.svg)
Car Rental Damage & Theft
31 days
Benefits
Details
Airport Lounge - Dragon Pass
Pass only. No Complimentary visits!
Wireless Credit
FlexiRoam 1GB Global Data Roaming Plan and 15% off on purchase of Data Plans.
Mastercard On-Demand and Subscription Services
Access 50+ live-stream sports channels and save $30 on your first three months of Fubo (excludes Quebec)
Eligibility
Credit Score
GoodAnnual Income
$50,000 personal or $80,000 household
*Tangerine is not responsible for maintaining accuracy of content on this site. Please refer to Tangerine's site for the latest product details. Check here for full details and current product information.
Our choice for: Best Accessible Alternative
APPLY NOW
on Tangerine's website
Welcome Bonus
10% Cash Back (up to $100 value)†† + 1.95% balance transfer promo rate for 6 months†
Annual Fee
$0
Interest Rates
20.95%* / 22.95%*
While we think Tangerine isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. This card only requires a Fair credit score, making it an excellent choice for people who don't have a high credit score yet.
Pros
- Allows you to change the categories, and you get a 2% reward depending on how your spending is changing every 90 days.
- 2% cashback on recurring Transactions and pharmacy purchases. One of the highest cashback rates on these categories among credit cards in Canada.
- Has cashback on Furniture and Home Improvement categories. Two categories that are not covered by any other card in Canada.
- Easy credit score requirements needed for this card.
- Overall, it is a good no-annual-fee cashback credit card, especially if you have a Tangerine Savings account.
Cons
- Insurance coverage is the most basic.
- Very low cashback rate on the other categories not selected.
Rewards
- 2% Money-Back Rewards on your choice of two categories from the 13 offered by Tangerine (Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Reccurring Bill Payments, Home Improvement, Public Transportation and Parking and more). Change them up every 90 days to match your spending habits.
- Have your Money-Back Rewards deposited into a Tangerine Savings Account and get a third 2% Money-Back Category.
- 0.5% cashback on all other credit card purchases.
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a year
Eligibility
Credit Score
FairAnnual Income
N/A
*Tangerine is not responsible for maintaining accuracy of content on this site. Please refer to Tangerine's site for the latest product details. Check here for full details and current product information.
From our editors: The full list of Best Tangerine Credit Cards in Canada
1. Best overall: Tangerine Money-Back World Mastercard
The Tangerine Money-Back World Mastercard, one of the best no-annual-fee credit cards in Canada, earns you solid cashback on your choice of 2 cashback categories out of the 13 offered by Tangerine. You can even select a bonus category when you deposit your Money-Back Rewards into a Tangerine Savings Account. Available cashback categories include unique earning opportunities on foreign currency spend, home improvement, furniture, e-games, and fitness and sports club purchases. Plus, expect some of the highest cashback rates for pharmacy and recurring bill payments, landing this card a spot in our best recurring transaction credit cards in Canada blog. The card also offers important protections like mobile device insurance and car rental damage and theft insurance, not to mention benefits like an airport lounge Dragon Pass, a FlexiRoam Global Data Roaming plan, and access to Mastercard on-demand and subscription services.
Note, however, that the Tangerine Money-Back World Mastercard comes with annual income requirements. Find out more in our Tangerine Money-Back World Mastercard Review.
2. Best Accessible Alternative: Tangerine Money-Back Mastercard
To avoid annual income requirements, apply for the Tangerine Money-Back Mastercard instead. This alternative offers the same choice of 2 cashback categories from the 13 offered by Tangerine, plus the opportunity to select a third when you deposit your Money-Back Rewards into a Tangerine Savings Account. Unfortunately, this card only provides standard extended warranty and purchase protection insurance and lacks any added benefits. To learn more, read our Tangerine Money-Back Mastercard Review.
Tangerine Cashback Categories
As mentioned, there are a total of 13 Tangerine cashback categories to choose from. Cardholders can select up to 3 categories when they deposit their Money-Back Rewards into a Tangerine Savings Account.
The 13 available cashback categories are:
- Grocery
- Restaurants
- Gas
- Entertainment
- Furniture
- Hotel-Motel
- Drug Store
- Recurring Bill Payments
- Home Improvement
- Public Transportation and Parking
- E-Games
- Fitness and Sports Clubs
- Foreign Currency Spend
Categories like furniture, home improvement, e-games, fitness and sports clubs, and foreign currency spend are rare, giving cardholders the opportunity to optimize unique spending habits. On the other hand, both Tangerine credit cards offer competitive cashback rates on pharmacy and recurring payments, especially for no-fee contenders.
The best part? You can change your cashback categories to reflect your spending patterns every 90 days.
Choosing the Right Tangerine Credit Card
The biggest distinction between the two Tangerine credit cards comes down to income. The Tangerine Money-Back World Mastercard, the most premium contender, comes with annual income requirements, whereas the Tangerine Money-Back Mastercard avoids income requirements. If you have a higher income, apply for the Tangerine Money-Back World Mastercard to unlock extra coverage and perks. Those with a lower income can take advantage of the same rewards program using the Tangerine Money-Back Mastercard, but they'll have to forfeit extended insurance and benefits.
How to Apply for a Tangerine Credit Card
To apply for either Tangerine credit card, hit the "Apply Now" buttons below each card featured above. Afterwards, you'll be transported to Tangerine's official website to initiate the application process. Credit card applications typically ask for personal information (think your phone number, birthdate, and address), followed by financial information (like your income, when applicable).
Frequently Asked Questions
Not really. Neither Tangerine credit card has explicit travel insurance. That said, the Tangerine Money-Back World Mastercard includes car rental damage and theft insurance, which can be helpful during rental road trip mishaps.
If you'd like a credit card that caters more towards travel, check out our best travel credit cards in Canada blog.
The Tangerine Money-Back World Mastercard offers better overall value by including extra perks and coverage. However, this contender comes with annual income requirements. If you don't meet these income requirements, you'll have to settle for the Tangerine Money-Back Mastercard.
Tangerine was acquired by Scotiabank in 2012, making Scotiabank its parent company.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
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Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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Abid Salahi
Credit Card Expert
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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