Cash Back
No Annual Fee
Balance Transfer
Tangerine Money-Back World Mastercard
Tangerine Bank
Current Welcome Offer
Earn $120 Cash Back
Annual Fee
$0
Purchase APR
20.95%
Cash Adv. APR
22.95%
Welcome Bonus
~$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 2.00%
Dining & Takeout 2.00%
Gas & Transit 2.00%
Travel 0.50%
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.
- Two 2% Categories: Choose two categories (e.g., Groceries, Gas, Restaurants) to earn 2% cash back.
- Third 2% Category: Unlock a 3rd 2% category by having your rewards deposited into a Tangerine Savings Account.
- All Other Purchases: 0.5% Cash Back
Welcome Bonus Details
Get $120 when you spend $1,500 in your first 3 months. Apply by April 30, 2026.
Estimated Value: $120.00
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
Additional Perks
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Insurance Coverage
Mobile Device Insurance
Up to $1,000 of coverage if your mobile device is lost, stolen, damaged, or experiences mechanical failure (max 2 years).
Rental Car Collision/Loss Damage
Damage and theft protection for your car rental for up to 31 consecutive days.
Purchase Assurance
Automatically covers loss, theft or damage on most new insured items for 90 days.
Extended Warranty
Doubles the period of repair services to a maximum of one year.
Rates & Fees Details
| Purchase APR | 20.95% |
|---|---|
| Cash Advance APR | 22.95% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Income Required |
Personal: $50,000 Household: $80,000 |