Cash Back
No Annual Fee
Balance Transfer
Tangerine Money-Back Credit Card
Tangerine Bank
Current Welcome Offer
Earn 10% cash back for 2 months (Up to $100)
Annual Fee
$0
Purchase APR
20.95%
Cash Adv. APR
22.95%
Welcome Bonus
~$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 2.00%
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
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: $100.00
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
Additional Perks
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Insurance Coverage
Purchase Assurance
Automatically covers loss, theft or damage on most new insured items for 90 days (up to $60k lifetime max).
Extended Warranty
Doubles the period of repair services to a maximum of one year (up to $60k lifetime max).
Rates & Fees Details
| Purchase APR | 20.95% |
|---|---|
| Cash Advance APR | 22.95% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Income Required |
Personal: $12,000 |