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Mr. Loonie
Tangerine Rewards World Elite® Mastercard®

Tangerine Rewards World Elite® Mastercard®

Best for: People who want Scene+ points in categories they choose

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Points you’d earn
90,000
points in the first year. We haven’t set a dollar value for them yet.
See how we worked it out
Welcome offer you’d get
60,000 points
The full offer. Up to 60,000 points.
Annual fee
$120 a year
Apply now on Tangerine’s site (opens in a new tab)
Needs $80,000 personal income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Tangerine’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Is your personal income $80,000 or more?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: Welcome offer up to 60,000 points

Watch for

  • Watch for: $120 a year
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

We haven’t set a value for points yet, so the bars show points.

  • Groceries 9,600
    1 point per $1 $800 a month · 9,600 points a year
  • Restaurants 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Gas 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Recurring bills 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Travel 1,800
    1 point per $1 $150 a month · 1,800 points a year
  • Everything else 7,800
    1 point per $1 $650 a month · 7,800 points a year
  • Foreign currency 1,800
    1 point per $1 $150 a month · 1,800 points a year
What counts in each category
Everything else (base rate)
1 point per $1
  • Get 10000 points when you spend $30000 annually on your account each year
  • Earn 1.5 points in three categories of your choice, switch them every 90 days to match your spending habits
    • Grocery
    • Restaurants
    • Gas
    • Entertainment
    • Furniture
    • Hotel-Motel
    • Drug Store
    • Recurring Bill Payments
    • Home Improvement
    • Public Transportation and Parking
    • E-Games
    • Fitness and Sports Clubs
    • Foreign Currency Spend

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    50,000 points

    Spend $5,000 in your first 3 months.

    You’d reach it in month 2.

    • On purchases within the first 3 months
  2. 2

    10,000 points

    Spend $30,000.

    You’d reach it in month 12.

Offer ends Jan 31, 2027.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $80,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $5,000,000 per person
  • Trip cancellation Included
  • Trip interruption Included
  • Save 3 c/L when you pay with a linked credit card on all fuel purchases
  • Save 4 c/L when you pay for Shell premium fuel with a linked credit card that earns Scene+ points
  • Get up to 3 c/L in points value when you pay for Shell premium fuel with a linked credit card that earns Scene+ points
  • 4 complimentary DragonPass lounge passes annually
  • Unlock extraordinary Priceless experiences worldwide through Priceless.com
  • The Mastercard Collection
  • Unique Cirque du Soleil benefits
  • Save $30 on a FUBO Sports Quarterly plan for your first quarter
  • Receive 30% off tax filing services with H&R Block
  • Enjoy a complimentary 3GB Global Data Roaming Plan with FlexiRoam
  • Comprehensive Travel Insurance Coverage
  • Mobile Device Insurance
  • Trip interruption/cancellation insurance
  • Flight delay insurance
  • Baggage delay insurance
  • Lost/stolen baggage
  • Event ticket protection
Coverage limits

Travel medical. Up to 15 days per trip.

Not included

Not listed for this card: flight delay, lost baggage and mobile device.

Fees and interest

What it costs

Annual fee
$120 a year
Purchase interest
20.95%
Cash advance interest
22.95%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$30
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
Balance transfer fee
3%, Minimum of $5
Over-limit fee
$25
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.95%
Source
Issuer page

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: — year one, — every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Tangerine Rewards World Elite® Mastercard®?

$120 a year. Each extra card costs $30.

How much is the Tangerine Rewards World Elite® Mastercard® welcome offer worth?

Up to 60,000 points. You get it in 2 steps: 50,000 points after you spend $5,000 in the first 3 months; 10,000 points after you spend $30,000.

What income do I need?

Tangerine asks for $80,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.95% on purchases. Cash advances are 22.95%.

Does it include insurance?

It lists extended warranty, purchase protection, comprehensive travel insurance coverage and mobile device insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

90,000
points
Apply now on Tangerine’s site (opens in a new tab)
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