Tangerine Money-Back Credit Card
No annual fee · 0.5% on everything else · 2.5% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 2% | uncapped |
| Gas | 2% | uncapped |
| Recurring | 2% | uncapped |
| Everything else | 0.5% | uncapped |
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Signup bonus: C$100 back after C$1,000 in 2 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. 10% cash back up to $100 in first 2 months Bonus figure confirmed on the issuer's page 2026-09-14.
Non-cash perks
- No annual fee
- Unlimited cash back
- Choose your 2% categories
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 2.5% foreign transaction fee. On a card earning 0.5¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
- Spending outside its bonus categories. Everything else earns 0.5%, worth about 0.5¢ per dollar at our value for cash back — less than the 1¢ a plain cash-back card pays on the same dollar. This card only wins where its bonus categories do.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.tangerine.ca. Spot an error? Tell us.