Tangerine Money-Back Credit Card

Last updated: October 1, 2022
  • 15% Cash back
  • $0 Annual fee
Best offer is available until October 31, 2022
Signup bonus:
15% cash back in the first 12 months, up to $150 total cash back for spending $1,000
Annual fee:
Earning rate:
2% cash back on up to three categories of your choice out of Groceries, Furniture, Restaurants, Hotel/Motel, Gas, Recurring Bill Payments, Drug Store, Home Improvement, Entertainment, and Public Transportation & Parking
0% cash back on all other purchases

The Tangerine Money-Back Credit Card is a scaled-down version of the Tangerine World Mastercard.

The two products have an identical earning and redeeming structure, with the biggest difference coming down to the Tangerine World Mastercard offering much more in the way of insurance.

We recommend all those who qualify for the Tangerine World Mastercard to apply for that one instead, as it’s objectively a better card and neither have an annual fee.

Meanwhile, the Tangerine Money-Back Credit Card is not a superb travel card, but it’s a good no-fee option for lower-income individuals to optimize their cash back categories.

Bonuses & Fees

Until October 31, 2022, this card is offering 15% cash back on the first $1,000 spent within the first 12 months, up to a total of $150.

That’s in addition to the regular earning rate, so you could earn up to 17% return on spend on some purchases.

There is no annual fee, and supplementary cards are also free.

Earning Rewards

The Tangerine World Mastercard earns 2% cashback on up to three categories of your choice:

  • Groceries
  • Furniture
  • Restaurants
  • Hotel/Motel
  • Gas
  • Recurring bill payments
  • Drug Store
  • Home Improvement
  • Entertainment
  • Public transportation & parking

It earns 0.5% cashback in all other categories.

2% cashback 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.

If you have Tangerine Savings account, you can add a further third category at the 2% earning rate.

Redeeming Rewards

Cashback is paid monthly, applied either directly to your credit card balance or into your Tangerine Savings account.

Perks & Benefits

The Tangerine Money-Back Credit Card has no perks or benefits to speak of.

Insurance Coverage

The Tangerine Money-Back Credit Card 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.

Apply Now

Click here to apply for the Tangerine Money-Back Credit Card with no annual fee and no income requirement.

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