Cash back card · Tangerine
Tangerine Money-Back Credit Card
Tangerine · Mastercard · cash back
Below is every rate the Tangerine Money-Back Credit Card earns, each one quoted from Tangerine's own terms with the clause and the date we checked it. No annual fee to hold the card.
2%
Top rate
0.5%
Base rate
$0
Annual fee
2.5%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for groceries, dining, gas, drugstore, transit, travel, recurring, entertainment and home improvement.
Everything it earns
every rate quoted from Tangerine's terms · annual fee shown separately, never netted2%
GroceriesYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Grocery: merchants classified as 'Grocery Stores and Supermarkets' (MCC 5411, 5462).”
Cap No cap
Read the source termsGasYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Gas: merchants classified as 'Service Stations' (MCC 5541/5542).”
Cap No cap
Read the source termsDrugstoreYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Drug Stores: merchants classified as 'Drug Stores/Pharmacies, Drugs, Drug proprietors, and Druggists Sundries' (MCC 5912, 5122).”
Cap No cap
Read the source termsDiningYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Eating Places: merchants classified as 'Eating Places, Restaurants, Bars, Lounges, Discos, Nightclub Taverns and Fast Food Restaurants' (MCC 5812 to 5814).”
Cap No cap
Read the source termsTravelYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Hotels-Motels: merchants classified as 'Lodging, Hotels, Motels, Resorts or by Property name' (MCC 7011, 3500-3828).”
Cap No cap
Read the source termsTransitYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Public Transportation and Parking: merchants classified as 'Automobile Parking Lots and Garages, Public Transportation (including Buses, Trains, Ferries), Taxis, Road Tolls' (MCC 7523, 4111, 7524, 4121, 4784).”
Cap No cap
Read the source termsRecurringYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Recurring Bill Payment: payments made on a monthly or other regular basis, and which are automatically billed by the merchant to your Tangerine Credit Card, such as your monthly phone bill.”
Cap No cap
Read the source termsEntertainmentYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Entertainment: merchants classified as 'Sports Venues, Theatres, Amusement Parks, Carnivals, Circus, Tourist Attractions and Exhibits, Movie Theatres, Zoos, Bands, Orchestras, Aquariums' (MCC 7941, 7922, 7996, 7991, 7929, 7998, 7832, 7829).”
Cap No cap
Read the source termsHome improvementYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Home Improvements: merchants classified as 'Hardware Stores, Home Supply Warehouse Stores, Lawn and Garden Supply Stores, Glass/Paint/Wallpaper Stores, Florist supplies nursery stock & flowers, Floor Coverings, Drapery and Window Coverings' (MCC 5251, 5200, 5261, 5231, 5718, 5713, 5714).”
Cap No cap
Read the source termsFurnitureYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Furniture: merchants classified as 'Home Furnishing Stores, Furniture Reupholstery' (MCC 5712, 5719, 7641).”
Cap No cap
Read the source termsFitness & sports clubsYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. Fitness and Sports Clubs: merchants classified as 'Clubs: Country Clubs, Membership (Athletic, Recreational, Sports), Private Golf Courses, Recreational and Sporting Camps, Athletic Fields, Commercial Sports, Professional Sports Clubs, Sports Promoters' (MCC 7997, 7032).”
Cap No cap
Read the source termsDigital gamesYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“2% Money-Back on chosen categories. E-Games: merchants classified as 'Digital Goods: Games' (MCC 5816).”
Cap No cap
Read the source termsForeign-currency purchasesYour choiceverified Jul 9, 2026Read the clause
Verbatim clause from Tangerine's terms
“Foreign currency Net Purchases (also referred to as "Foreign Currency Spend") - for Net Purchases that are charged to your Account in a foreign currency. The Money-Back Rewards in this category are calculated on the Canadian dollar amount of the Net Purchases after such amount has been converted and posted to your Tangerine Credit Card in Canadian dollars.”
Cap No cap
Read the source terms0.5%
Everything elseverified Jul 9, 2026
The everyday earn outside any bonus category, no cap
Conditions you confirm
self-attested · each quoted from Tangerine's termsI redeem to a linked Tangerine Savings AccountRead the clause
“If your chosen Redemption Destination is a Tangerine Savings Account, you will earn 2% Money-Back Rewards on eligible Net Purchases in three (3) qualifying 2% Money-Back Categories of your choice.”
Verified Jul 9, 2026
Read the source termsAnnual fee
No annual fee to hold the card
$0
Foreign transaction fee
On purchases in a currency other than Canadian dollars
2.5%
How we verify
Every rate on this page is quoted from Tangerine's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
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