$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.
10% bonus earning on up to $1,000 spend in the first two months
Offer ends September 30, 2026
Groceries, Gas, Travel, Bills & Dining
Everything Else
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.
Until January 30, 2026, this card is offering 10% cash back on the first $1,000 spent within the first two months, up to a total of $100.
That's in addition to the regular earning rate, so you could earn up to 12% return on spend on some purchases.
There is no annual fee, and supplementary cards are also free.
The Tangerine Money-Back Mastercard earns 2% cash back on up to three categories of your choice:
2% cash back is a generous offering for a no-fee card.
Plus, being able to select your preferred categories makes this a highly flexible card, since every cardholder is able to select their 2% cash back categories to match their spending patterns.
Cash back is paid monthly, applied either directly to your credit card balance or into your Tangerine Savings account.
The Tangerine Money-Back Mastercard has no notable perks or benefits to speak of.
$100 cash back
Apply NowLast updated: January 30, 2026
The Tangerine Money-Back Mastercard offers purchase assurance and extended warranty.
Purchase assurance protects against loss, theft, or damage on most purchased items for 90 days from the date of purchase and extended warranty doubles the period of manufacturer warranty, up to one year.