Tangerine Rewards World Elite Mastercard
Churning cardWhat the roles mean
- The welcome bonus: 50,000 Scene+ points ($500) for $5,000 of spending in the first 90 days
Welcome offer now
Get 50,000 Scene+ points ($500) when you spend $5,000 in the first 90 days; apply by January 31, 2027.
Ends January 31, 2027.
Checked on Tangerine's own page October 23, 2026. See Tangerine's page
What it earns in a year
38,100 points a year
Worth about $261 after the $120 fee.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (one of 3 chosen categories): 1.5× points.
- Dining & restaurants (one of 3 chosen categories): 1.5× points.
- Bills & subscriptions (one of 3 chosen categories (Recurring Bill Payments)): 1.5× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 38,100 points a year, worth $381.
- What a point buys (1¢): Travel, groceries at Sobeys, Safeway and FreshCo, or Cineplex: 1,000 points = $10. Same value everywhere. Only the general statement credit pays less (about 0.7¢), so skip it
How to apply for the Tangerine Rewards World Elite Mastercard
Check first
- Bonus only if you've never had this card: past primary cardholders can't get it
- $400,000 in assets under management can stand in for the income minimum
- Check you qualify Income: $80,000 personal or $150,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Tangerine's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Tangerine's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- First 90 days: spend $5,000 (your purchases and your additional cardholders' both count) for the 50,000 points
- Pick 3 categories: groceries, restaurants and recurring bills suit most households; 13 to choose from, change every 90 days
- Trips: pay at least 75% of the trip with the card (or its Scene+ points) to get the trip cover
- Shell: link the card to Shell Go+ for 3¢/L off (7¢/L on V-Power)
- Everything else: use a card that pays more than 1 point per $1
- Before year two: decide whether $120 is worth keeping. Ongoing earn alone rarely covers it
- Example: year one, $30,000 spent with $6,000 in your picks = 33,000 points + 10,000 yearly bonus + 50,000 welcome = $930, $810 after the fee; year two $310 after the fee
Key facts
- Annual fee
- $120
- Purchase interest
- 20.95%
- Foreign currency fee
- 2.5%
- Min. personal income
- $80,000
- Min. household income
- $150,000
- Rewards
- Scene+See every Scene+ card
Annual fee waiver
- None. The $120 is charged on the first statement, and every year after
From tangerine.ca product page, checked October 23, 2026. Not an affiliate link.
More Tangerine cards
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $598 a year after both fees, vs $261 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $786 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 50,000 points ($500) for $5,000 in 90 days; apply by January 31, 2027
- 10,000 more points ($100) every year you spend $30,000
- Points are worth a fixed 1¢ on travel and at Scene+ partners
- 4 free airport lounge visits a year (Mastercard Travel Pass)
- Travel medical $5 million, first 15 days of a trip (under 65)
- Trip cancellation, flight and bag delay, rental-car and $1,500 phone cover
- 1.95% on balances transferred in the first 30 days, for 6 statements (3% fee)
Cons
- $120 a year, including year one
- Additional cards $30 each
- 1.5 points per $1 at best; 1 point on everything outside your 3 picks
- No yearly bonus at $29,999; it needs the full $30,000
- No airline or hotel transfer partners
- 2.5% on foreign-currency purchases, even with "Foreign Currency Spend" as a pick
- Needs $80,000 personal or $150,000 household income (or $400,000 invested)
- Approval replaces any Tangerine card you already hold
Insurance included
- Travel medical: $5 million, under 65, first 15 days of a trip
- Trip cancellation: $2,000 per person ($5,000 per trip); pay 75% of the trip with the card or its points
- Trip interruption: $2,000 per person ($25,000 per trip)
- Flight delay: $500 per trip, after 4 hours
- Bags: $500 if delayed 4+ hours; $1,000 per person if lost
- Hotel burglary: $1,000
- Rental car damage: up to 48 days (a longer rental voids all of it), cars up to $85,000; decline the agency's cover
- Phone: up to $1,500, less 2% a month of age and a $25–$100 deductible; buy it (or pay the plan) on the card
- Purchases: 90 days of theft/loss/damage cover, +1 year warranty ($60,000 lifetime)
- Event tickets: $1,000 if a covered reason keeps you from going
Maximums as Tangerine lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Lounges: 4 free visits a year through Mastercard Travel Pass (guests use a visit); then US$32 each
- Shell Go+: 3¢/L off, 7¢/L on V-Power until March 6, 2027; 3¢/L more in ON, BC, AB, SK, MB and NWT until December 31, 2026
- Redeem: Apply Points to Travel on any trip charged to the card in the last 12 months, 100 points = $1
- FlexiRoam: 3 GB of roaming data free once a year
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| Tangerine Rewards World Elite Mastercard | 1.5× points | $144 | $120 | October 23, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| Tangerine Rewards World Elite Mastercard | 1.5× points | $45 | $120 | October 23, 2026 |
How the offer has changed
One row per check of Tangerine's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 23, 2026 | 50,000 bonus Scene+ points ($500) when you spend $5,000 in Net Purchases in the 90 days from account opening; apply by January 31, 2027; not for past primary cardholders of this card. Plus 10,000 Scene+ points ($100) each year with $30,000 spend. "Up to $1,220 in value" in year oneFirst row (card added to the library). $80k / $150k / $400k AUM; 20.95% / 22.95%; 2.5% FX; 1.95% BT promo for 6 statements | $120, not waived ($30 per authorized user) | January 31, 2027 |
General information, not financial advice. Offers change; confirm on Tangerine's page before you apply.