TangerineMoney-Back World Mastercard
Tangerine Money-Back World Mastercard
Category cardWhat the roles mean
- 2% cash back in 2 categories you pick (3 with a Tangerine Savings Account), uncapped, no annual fee, plus phone insurance
Welcome offer now
Get $120 cash back when you spend $1,500 in your first 3 months.
Ends November 30, 2026.
Checked on Tangerine's own page October 21, 2026. See Tangerine's page
What it earns in a year
$393 back a year
No annual fee to take off.
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: 2% back.
- Bills & subscriptions: 2% back.
- Gas / EV: 2% back.
- Everything else: 0.5% back.
Highlighted = use this card here.
How to apply for the Tangerine Money-Back World Mastercard
Check first
- $250,000+ at Tangerine instead of income: in Tangerine Savings and/or Investment Fund accounts
- No bankruptcy in the past 7 years
- Check you qualify Income: $50,000 personal or $80,000 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
- Pick your categories: groceries and recurring bills suit most households; gas, restaurants, drugstore and transit are also on the list of 13
- Third category: have your cash back paid into a Tangerine Savings Account
- Change them: every 90 days, to match what you are about to spend on
- Phone: buy it (or pay the plan) on this card to get the $1,000 cover
- Everything else: use another card. This one pays 0.5%
- Example: $800/month groceries + $300/month bills + $250/month gas at 2% = $324 a year, plus $120 in year one
Posts about this card
Key facts
- Annual fee
- $0
- Purchase interest
- 20.95%
- Foreign currency fee
- 2.5%
- Min. personal income
- $50,000
- Min. household income
- $80,000
- Rewards
- Cash back
Annual fee waiver
- No annual fee
From tangerine.ca product page, checked October 17, 2026. Not an affiliate link.
More Tangerine cards
Pros
- No annual fee
- 2% with no annual cap in the categories you choose
- Cash back paid every month, no minimum
- Welcome offer: $120 when you spend $1,500 in 90 days; apply by November 30, 2026
- $1,000 phone insurance and rental-car cover
- 1.95% on balances transferred in the first 30 days, for 6 statements (1% fee)
Cons
- 0.5% on anything outside your categories
- Nothing earns 2% until you pick your categories
- The third category needs a Tangerine Savings Account
- No travel medical or trip insurance
- Lounge visits are pay-per-use
- 2.5% on foreign-currency purchases, even if you pick "Foreign Currency Spend" as a category
- Needs $50,000 personal or $80,000 household income (or $250,000 at Tangerine)
Insurance included
- Phone: up to $1,000 for loss, theft or damage
- Rental car damage: up to 31 days; pay the full rental with the card
- Purchases: 90 days of theft/loss/damage cover
- Extended warranty: doubles the maker's warranty, up to +1 year ($60,000 lifetime)
Maximums as Tangerine lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Shell Go+: 3¢/litre off at Shell when you link the card (up to 1,000 L a month)
- Mastercard Travel Pass: membership included for 1,300+ lounges; you pay per visit
- FlexiRoam: 1 GB of roaming data free, 15% off more
- Additional cards: up to 5, free
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 Money-Back World Mastercard | 2% back | $192 | $0 | October 21, 2026 |
Other cards for bills & subscriptions
Back a year on $3,600 of bills & subscriptions, caps included. Points at best-case value. Before annual fees.
| Card | Earns on bills & subscriptions | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Scotia Momentum Visa Infinite | 4% back | $144 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 4% back | $144 | $149 | October 21, 2026 |
| Rogers Red World Elite | 2% back≈ 3.0% in value | $108 | $0 | October 21, 2026 |
| TD Cash Back Visa Infinite | 3% back | $108 | $139 | October 21, 2026 |
| Rogers Red World Legend | 2% back≈ 3.0% in value | $108 | $495 | October 23, 2026 |
| Marriott Bonvoy American Express | 2× points≈ 2.8% in value | $101 | $120 | October 21, 2026 |
| Tangerine Money-Back World Mastercard | 2% back | $72 | $0 | October 21, 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 21, 2026 | $120 cash back when you spend $1,500 in net purchases in the 90 days after card activation; apply by November 30, 2026 and activate within 45 days of approval. Plus 1.95% on balance transfers made in the first 30 days, for 6 statement periods (1% fee)Unchanged since October 17, 2026 (same $120 for $1,500 in 90 days, apply by November 30, 2026; rates 20.95% / 22.95%) | $0 | November 30, 2026 |
| October 17, 2026 | $120 cash back when you spend $1,500 in net purchases in the 90 days after card activation; apply by November 30, 2026 and activate within 45 days of approval. Plus 1.95% on balance transfers made in the first 30 days, for 6 statement periods (1% fee)Changed: bonus up from $100 to $120 (same $1,500 / 90 days); apply-by moved from September 30, 2026 to November 30, 2026. Shell Go+ fuel link (up to 8¢/L) now on the page | $0 | November 30, 2026 |
General information, not financial advice. Offers change; confirm on Tangerine's page before you apply.