Cash Back
No Annual Fee
Balance Transfer
Tangerine Money-Back Credit Card
Tangerine Bank
Welcome Bonus:
Earn 10% cash back for 2 months (Up to $100)
Exp: Apr 30, 2026
Balance Transfer:
1.95% Balance Transfer for 6 months (1% transfer fee)
Secure RateBuddy connection · Application completed on Tangerine Bank’s site
Annual Fee
$0
Purchase APR
20.95%
Cash Advance
22.95%
Bonus Value
$100
RateBuddy Verdict
The Good
- Extremely accessible with a low $12,000 personal income requirement, making it great for students or newcomers.
- Unmatched flexibility allowing you to choose and change your 2% cash back categories every 90 days.
- The promotional 1.95% balance transfer rate for 6 months is an excellent tool for debt consolidation.
The Trade-offs
- The base cash back rate for purchases outside of your chosen categories is very low at just 0.5%.
- Lacks the Mobile Device and Rental Car insurance found on the Tangerine World tier card.
Rewards & Earnings
Groceries
2%
Dining
2%
Gas
2%
Travel
0.50%
Recurring Bills
2%
Base Rate
0.50%
Rewards Summary:
Earn 2% cash back in up to 3 categories of your choice, and 0.5% cash back on all other everyday purchases.
Welcome Bonus Details
Earn an extra 10% cash back on up to $1,000 in everyday purchases within your first 2 months. Apply by April 30, 2026.
Estimated Value: $100
Expires: Apr 30, 2026
Features & Benefits
No Annual Fee
No annual fee for life
Introductory 0% APR on Balance Transfers
1.95% promotional balance transfer rate for 6 months
Extended Warranty Insurance
Extended Warranty up to 1 year
Purchase Security Insurance
Purchase Security for 90 days
Insurance Coverage
Includes basic Purchase Assurance (90 days) and Extended Warranty (doubles manufacturer warranty up to 1 year).
Rates, Fees & Eligibility
| Purchase APR | 20.95% |
|---|---|
| Cash Advance APR | 22.95% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Grace Period | 21 days |
| Income Required |
Personal: $12,000 |
| Recommended Credit Score | — |
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Filed Under
Cash Back
No Annual Fee
Balance Transfer
Student
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