$100 cash back
Apply Now$105
First-year value
$100
cash back
$0
Annual fee
Based on the minimum spend required to earn the full welcome bonus.
Last updated: January 30, 2026
The Tangerine Money-Back Mastercard is a scaled-down version of the Tangerine® Money-Back World Mastercard®*.
The two products have an identical earning and redeeming structure, with the biggest difference coming down to the Tangerine® Money-Back World Mastercard* offering much more in the way of insurance.
The Tangerine Money-Back Mastercard is a good no-fee option for lower-income individuals to optimize their cash back categories.
| Tier | Amount | Requirement |
|---|---|---|
| Bonus earn rate | $100 | in 2 months |
Annual Fee
Free
Additional Card
Free
A rare no-fee card that opens strong – the bonus effectively rewards your first two months at 12%, then settles into a long-term role if your spending fits the 2% categories you select.
| Category | Rate |
|---|---|
| Groceries | 2% |
| Gas | 2% |
| Travel | 2% |
| Bills | 2% |
| Dining | 2% |
| Bills | 2% |
| Everything Else | 0.5% |
The category flexibility shines for travelers who can rotate one slot to travel during heavy booking periods while keeping grocery or gas locked in year-round – just remember the half-percent default rate means you'll need a complementary card for everything else.
No annual fee
First Year FreePurchase assurance insurance
Travel InsurancePurchase assurance covers eligible items for 90 days – useful for electronics or gear, though you'll want to review the certificate for limits and exclusions.
Underwritten by American Bankers Insurance Company of Florida
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | Not included | — |
| Baggage Delay | Not included | — |
| Baggage Loss | Not included | — |
| Rental Car (CDW/LDW) | Not included | — |
| Purchase Protection | Included | 90-day coverage |
| Extended Warranty | +1 year | — |
View Certificate of Insurance (PDF)
Purchase protection and extended warranty cover your gear, but with zero travel coverage – no cancellation, interruption, medical, or baggage protection – you'll need a backup card or standalone policy the moment you leave your province.
$100 cash back
Apply NowLast updated: January 30, 2026
