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Best Tangerine credit cards in Canada

Online bank Tangerine offers customers two credit card options:

Both cards offer consumers flexibility and rewards with zero fees. Comparing them on LowestRates.ca is fast and easy and allows you to see which one works best for your spending needs.

The Worldclass Mastercard is geared towards travelers who are looking for travel rewards, rental car insurance and other benefits such as mobile device insurance.

As for the Money-Back Credit Card, read on...

Tangerine Money-Back credit card

The Tangerine Money-Back Credit Card, powered by MasterCard, hit the market in early 2016, and its 2% rebate on purchases in two categories, plus its initial 1% rebate on all other purchases, made the card instantly popular with consumers.


The card remains a competitive choice for shoppers who like to get money as they spend it. Plus, you still get 2% cash back on two purchase categories of your choice.

Furthermore, rewards are earned automatically on everyday purchases and paid monthly. The flexibility of the card allows you to use it towards your credit card balance or redeem it into your savings account.

Annual fee

One of the best parts of the Tangerine Money-Back Credit Card compared to many other rewards cards out there is it has no annual fee.

Insurance coverage

Tangerine’s Money-Back Credit Card comes with insurance coverage as well.
For most new purchases made anywhere in the world, you will receive a lifetime
maximum of up to $60,000 for the following insurance coverage:

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The top advantages of having a Tangerine credit card.

Tangerine is not your typical bank and that’s good news for credit card shoppers who need a break from Canada’s big banks. With a belief that your money should work as hard as you do, Tangerine offers Canadians a streamlined banking experience and credit cards that boasts some of the most competitive cash back perks on the market. You can view the latest Tangerine credit card options and offers on LowestRates.ca.

Here are the benefits of having a Tangerine credit card.

No fees

Tangerine knows Canadians don’t want to waste their money on bank fees, so its reputation is built on eliminating them. That’s why Tangerine’s daily chequing account is fee-free and you don’t have to pay an annual fee on its Money-Back Credit Card.

A mobile-first experience

You can do everything with the Tangerine Mobile Banking app, including pay your credit card bills, move money between accounts, and deposit cheques.

Apple Pay

If you prefer to carry one device and nothing else, you’re in luck, because Tangerine’s Money Back Credit Card is available through Apple Pay. Just add your card to the Wallet app and make in-store and online credit card payments with your Tangerine credit card.

Worldwide acceptance

Tangerine Mastercard credit cards are accepted worldwide, making it easy for you to use them to make quick payments while you’re traveling. Keep in mind that when you make purchases with international currency on your Tangerine credit card, the exchange rate will apply, and you’ll be charged a currency conversion fee.

Excellent customer service

Have your credit card questions answered any way you like — via live chat, phone, social media. You can also talk to someone in person at one of Tangerine’s cafés, pop-up locations, or kiosks, which you can find located in some of Canada’s busiest communities.

Tangerine credit card features

Looking to pick the best Tangerine credit card? Doing a side-by-side comparison of Tangerine credit cards can help you narrow down your choice.

Here are some common features of Tangerine credit cards:

  • No annual fee: Tangerine no annual fee credit cards allow you to enjoy the convenience and flexibility of going cashless, while saving money.
  • Cash back rewards: If you’re not interested in earning points, Tangerine rewards credit cards come with one of the best cash back benefits. You can personalize your cash back categories to maximize your savings.
  • Promotional interest rates: If you have an existing credit card balance you want to transfer onto a new credit card, you take advantage of Tangerine’s low interest rate credit card promotions for balance transfers. Ask the credit card provider for more information about balance transfer promotions.

How to apply for a Tangerine credit card in Canada

You can easily apply for a Tangerine credit card by simply by completing a Tangerine credit card application online through LowestRates.ca

To complete your online credit card application, you’ll need to give the following information:

The provider will use the information given to pull your personal credit history and review your overall eligibility for the applied Tangerine credit card and credit limit. Please note, a hard credit check can temporarily drop your credit score, but that should bounce back when you don’t miss any of your credit card payments.

Once you pass the Tangerine credit card eligibility check, you’ll receive your new card in the mail. Follow the Tangerine credit card activation steps and you’ll be ready to go.

About Tangerine

Tangerine was originally founded as ING Direct Canada in 1997. After being acquired by Scotiabank in 2012, the ‘Tangerine’ brand was announced in 2013 and was rolled out in April 2014. With no physical bank branches and a focus on low-fee, mobile-first banking technology, Tangerine is far from a traditional bank, much to consumers’ satisfaction – nearly two million Canadians now bank with Tangerine.

Tangerine is a CDIC member in its own right. Eligible deposits of up to $100,000 per category are protected separately from deposits at Scotiabank.

Tangerine is in the Mastercard credit card network. Tangerine currently does not offer any Tangerine Amex credit cards or Tangerine Visa credit cards. Please visit the Tangerine credit card site for more information. Additionally, Tangerine also offers a no-fee chequing account, a cash back credit card, high-interest savings accounts, mortgages, among other products.

Joel Kranc's picture

Joel Kranc

About the Author

Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.

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