Tangerine Money-Back World Mastercard
Cash Back No Annual Fee Balance Transfer

Tangerine Money-Back World Mastercard

Tangerine Bank Tangerine Bank
Welcome Bonus: Earn $120 Cash Back Exp: Apr 30, 2026
Balance Transfer: 1.95% Balance Transfer for 6 months (1% transfer fee)
Annual Fee $0
Purchase APR 20.95%
Cash Advance 22.95%
Bonus Value $120

RateBuddy Verdict

The Good
  • Unmatched flexibility allowing you to choose and change your 2% cash back categories every 90 days.
  • Excellent insurance package for a no-fee card, notably including Mobile Device and Rental Car coverage.
  • 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%.
  • You must open a Tangerine Savings Account to unlock the third 2% cash back category.

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

Get $120 when you spend $1,500 in your first 3 months. Apply by April 30, 2026.

Estimated Value: $120
Expires: Apr 30, 2026

Features & Benefits

No Annual Fee
No annual fee for life
Airport Lounge Access
Mastercard Travel Pass by DragonPass (Usage fees apply)
Introductory 0% APR on Balance Transfers
1.95% promotional balance transfer rate for 6 months
Mobile Device Insurance
Mobile Device Insurance up to $1,000
Car Rental Collision/Loss Damage Waiver
Rental Car Insurance up to 31 days
Extended Warranty Insurance
Extended Warranty up to 1 year
Purchase Security Insurance
Purchase Security for 90 days

Insurance Coverage

Includes Mobile Device Insurance ($1,000), Rental Car Collision/Loss Damage, Purchase Assurance (90 days), and Extended Warranty (1 year).

Rates, Fees & Eligibility

Purchase APR20.95%
Cash Advance APR22.95%
Annual Fee$0
Supplementary Card Fee$0
Grace Period21 days
Income Required Personal: $50,000
Household: $80,000
Recommended Credit Score—

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Filed Under

Cash Back No Annual Fee Balance Transfer
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