Tangerine Money-Back Credit Card Review

Tangerine Money-Back Credit Card: no annual fee, customizable 2% cash-back categories, mobile wallet support and automatic monthly rewards.

The Tangerine Money-Back Credit Card is one of Canada’s favourite no-fee rewards cards, and it’s easy to see why. With customizable cash-back categories, automatic monthly rewards, and a user-friendly digital banking experience, this card turns your everyday spending into real, effortless savings. Whether you spend more on groceries, gas, dining, or shopping, Tangerine lets you control where you earn the most back — a rare level of flexibility in the world of cash-back cards.

What truly makes this card stand out is its perfect balance between value and simplicity. There are no annual fees, no confusing reward tiers, and no minimum thresholds to redeem your cash back. It’s a card designed for Canadians who want transparency, modern digital convenience, and meaningful savings on purchases they’re already making. For students, families, young professionals or everyday savers, the Tangerine Money-Back Credit Card is a financial tool that works with your lifestyle — not against it.

CREDIT CARD

Tangerine Money-Back

No annual fee Unlimited Earning Potential

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Benefits of the Tangerine Money-Back Credit Card

1. Choose Your Own 2% Money-Back Categories

Unlike most cards that lock you into fixed reward categories, Tangerine allows you to choose up to three categories where you earn 2% cash back. Options include groceries, restaurants, furniture, gas, recurring bills, entertainment, drug stores, home improvement, and more. You earn more where you spend the most — fully personalized rewards.

2. No Annual Fee

Enjoy the full rewards program without paying a single dollar in annual fees. You’ll save money every year simply by choosing this card over many competitors that charge yearly costs.

3. Automatic Cash-Back Redemption

Your earned cash back is automatically applied either to your credit card balance or deposited into your Tangerine Savings Account — whichever option you choose. No tracking points, no waiting periods, no hassle.

4. Earn a Third 2% Category with a Tangerine Account

When you open a Tangerine Chequing or Savings Account and link it to your credit card, you unlock a third 2% category, maximizing your earning potential each month.

5. Earn 0.5% on All Other Purchases

Even purchases outside your chosen categories still earn 0.5% cash back, meaning every dollar spent earns rewards, no matter where you shop.

6. Mastercard Security and Zero Liability Protection

All transactions come with Mastercard’s Zero Liability protection, safeguarding you against unauthorized purchases. Enhanced fraud monitoring keeps your account secure around the clock.

7. Mobile Wallet and Contactless Payment Support

Pay quickly and securely using Apple Pay, Google Pay or Samsung Pay, and enjoy tap-to-pay convenience with built-in contactless functionality.

8. Excellent Mobile and Online Banking Experience

The Tangerine mobile app is known for being clean, intuitive and easy to navigate. You can track spending, adjust your categories, monitor cash-back earnings and manage payments anytime from your phone.

9. Extended Warranty and Purchase Protection

Eligible purchases made with your Tangerine Money-Back Credit Card automatically receive extended warranty coverage and purchase protection, giving you added peace of mind on big buys.

10. No Minimum Redemption Amount

Many credit cards require you to accumulate specific amounts before claiming rewards. Tangerine applies your money-back balance monthly, automatically, without minimum thresholds.

11. Free Additional Cards

You can add an authorized user at no extra cost, allowing families or partners to collect cash back together. Their purchases earn rewards at the same rates.

12. Great for Everyday Canadian Spending

Whether it’s groceries, gas, dining out, or online shopping, this card is ideal for covering essential purchases — and giving you more money back where it matters most.

Who Can Apply?

To qualify for the Tangerine Money-Back Credit Card, applicants must:

• Be a Canadian resident with a valid address
  
• Be 18 or older (or 19 in some provinces)
  
• Have a minimum annual income of $12,000
  
• Possess a fair to good credit score (generally 660+)
  
• Hold a Canadian bank account
  
• Meet identity, credit and verification requirements during the application process
  

How to Apply

1. Visit the official Tangerine.ca website.
   
2. Navigate to the Money-Back Credit Card page.
   
3. Click “Apply Now”.
   
4. Complete the application form with your personal, financial and employment details.
   
5. Select your preferred 2% cash-back categories.
   
6. Review and accept the card’s terms and conditions.
   
7. Submit your application online.
   
8. Receive a decision — many applicants get one instantly.
   
9. If approved, your card will be mailed within 7–10 business days.
   
10. Activate your card and begin earning cash back on your first purchase.
    

Frequently Asked Questions (FAQ)

1. Does the Tangerine Money-Back Credit Card have an annual fee?
No, it’s completely free — no yearly cost.

2. Can I change my 2% categories?
Yes, you can update them every 90 days inside your Tangerine account.

3. How many categories do I get?
Two, or three if you have a linked Tangerine bank account.

4. Do my cash-back rewards expire?
No, rewards never expire and are automatically redeemed monthly.

5. What is the base earning rate?
You earn 0.5% cash back on all purchases outside your 2% categories.

6. Does the card support mobile payments?
Yes — Apple Pay, Google Pay and Samsung Pay are all supported.

7. What type of credit score do I need?
Typically a fair-to-good score (around 660 or higher).

8. Are there insurance benefits?
Yes — eligible purchases receive extended warranty and purchase protection.

9. Can I add a secondary cardholder?
Yes, and it’s completely free.

10. Is there a minimum to redeem my cash back?
No minimum — redemption happens automatically every month.

11. Is this a good card for everyday spending?
Absolutely — especially for groceries, gas, restaurants and other common expenses.

CREDIT CARD

Tangerine Money-Back

No annual fee Unlimited Earning Potential

APPLY NOW You will be redirected