Tangerine Money-Back Credit Card
Cash Back No Annual Fee Balance Transfer

Tangerine Money-Back Credit Card

Tangerine Bank 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)
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 APR20.95%
Cash Advance APR22.95%
Annual Fee$0
Supplementary Card Fee$0
Grace Period21 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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