Tangerine World Mastercard®
Best for: People who want to pick their own 2% cash back categories, with a higher income limit
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
Ranked #89 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $120
- The full offer. Up to $120 back.
- Annual fee
- None
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?
Is your personal income $60,000 or more?
Do you pay your card off in full most months?
Answer the 2 questions to see if it fits.
The good and the bad
Stands out
- Good: 1.95% on moved balances for 6 months A 1% fee to move them.
- Good: No annual fee It costs nothing to keep.
- Good: Welcome offer up to $120
Watch for
- Watch for: 22.95% after the 6 months Whatever you haven’t paid off by then is charged the regular rate.
- 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.
What you’d earn
With typical spending of $2,500 a month.
Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.
What counts in each category
- Everything else (base rate)
- 0.5% back 2% in 2 categories you choose, or 3 if your cash back goes to a Tangerine savings account
Earn 2% cash back in two categories of your choice
Categories you can choose from include:
- Grocery
- Furniture
- Restaurants
- Hotel-Motel
- Gas
- Recurring Bill Payments
- Drug Store
- Home Improvement
- Entertainment
- Public Transportation and Parking
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
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
Can your spending get the offer?
At $2,500 a month, here’s when you’d reach each step.
-
1
$120
Spend $1,500 in your first 3 months.
You’d reach it in month 1.
- On purchases within the first 3 months
Offer ends Nov 30, 2026.
Offer checked on Nov 8, 2026. Source
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 $60,000 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.
Other reviewers on this card
-
Frugal Flyer (opens in a new tab) May 2026
“With their flexible and changeable 2% cash back categories, both the Tangerine Money-Back World Mastercard and Tangerine Money-Back Mastercard are solid options for a daily driver credit card in Canada. They are particularly useful if you have spending patterns that fluctuate in a predictable way from month to month, or if you have a large amount of spending in categories that aren’t well covered by available credit card options in Canada such as groceries, restaurants, or travel.”
-
NerdWallet (opens in a new tab) Sep 20259
“You can earn unlimited 2% cash back in up to three categories of your choice, making it one of the more flexible cash-back programs in Canada. The card comes with more perks than the Money-Back version — mobile phone and rental car coverage, as well as discounted airport lounge access and a complimentary data roaming plan with Flexiroam. But the $50,000 minimum income requirements may be restrictive for some users.”
-
WalletBliss (opens in a new tab) Jan 20249.2
“Tangerine World Mastercard is a no-fee cash-back credit card with competitive rewards and perks.”
-
9.2
“It offers an unlimited 2% earn rate on up to 3 major spending categories and is designed to be competitive from the start. Also, it has no annual fees, and new cardholders can earn an extra 15% cash back worth up to $150 within the first 2 months. The Tangerine World Mastercard® beats its plain-vanilla counterpart by offering additional car rental collision/loss damage insurance, mobile device insurance, Mastercard Airport Experiences, and free Wi-Fi with access to more than 1 million hotspots.”
-
Wealth Rocket (opens in a new tab) May 20238.8
“Overall, the Tangerine World Mastercard will serve as a great addition to most spender’s wallets, based on its cashback possibilities alone. The travel rewards and purchase protection are an additional noteworthy bonus. Considering that this card carries no annual fee, the Tangerine World Mastercard is well-positioned to work well either as an additional card or as a primary card for your everyday expenses.”
-
Money.ca (opens in a new tab) Feb 20239
“Overall, we’re happy with the Tangerine World Mastercard®. The minimum income requirements are pretty high, and we’d expect that a World Mastercard would offer more travel insurance, but still, the $0 annual fee combined with the high regular earn rate makes it a very valuable and appealing card. If you’re looking for a solid money-back card with rewards you can truly enjoy, which also offers exclusive experiences at home and abroad, the Tangerine World Mastercard® is a good choice.”
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What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Mobile device $1,000 per device
- Mastercard® Travel Pass Provided By DragonPass
- Mobile Device Insurance
- Mastercard Tap & Go
- Mastercard® Travel Rewards
- Boingo Wi-Fi
- Special benefits and offers from a growing lineup of on-demand apps and subscription services
- Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits
We haven’t recorded the coverage limits for this card yet. Read Tangerine’s insurance certificate before you count on any coverage.
Not included
Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay and lost baggage.
What it costs
- Annual fee
- None
- Purchase interest
- 20.95%
- Cash advance interest
- 22.95%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Cash advance fee
- $3.50, $5.00 fee for cash advances outside of Canada.
- Balance transfer fee
- 3%, Minimum of $5 ; 1% fee on intro. balance rate
- Over-limit fee
- $25
- Late payment fee
- None
- Source
- Issuer page
Interest rates
- Balance transfer interest
- 22.95%
- Intro rate: balance transfers
- 1.95% for 6 months, fee 1% of the amount transferred
- Source
- Issuer page
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
Similar cards for the same spending
With typical spending. This card: $390 year one, $270 every year after.
-
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Quicksilver World Mastercard®
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Quicksilver World Elite Mastercard®
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Questions people ask
What is the annual fee on the Tangerine World Mastercard®?
There is no annual fee.
How much is the Tangerine World Mastercard® welcome offer worth?
$120 after you spend $1,500 in the first 3 months, worth about $120.
What income do I need?
Tangerine asks for $60,000 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 have a balance transfer offer?
Yes, 1.95% for 6 months. The transfer fee is 1% of the amount transferred. After that, the rate is 22.95%.
Does it include insurance?
It lists extended warranty, purchase protection 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.
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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.
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