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MONEY-BACK CREDIT CARD

Unlike other credit cards, the Tangerine Money-Back Credit Card allows you to
earn unlimited Money-Back Rewards on everyday purchases — with no annual fee.



Rewards

Up to 2%

Annual fee

$0

Money-Back

Unlimited

Apply Now Apply Now


KEY FEATURES

Earn cash back
Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back
Categories of your choice, and 0.50% Money-Back Rewards on all your other
everyday purchases.
Earn extra Rewards
Get your Rewards deposited into your Tangerine Savings Account and get a
third3rd 2% Money-Back Category.
Automatic earning
Money-Back Rewards are earned automatically on everyday purchases and paid
monthly. These can be applied to your Credit Card balance or redeemed into your
Savings Account.
No limits
No limit on the amount of Money-Back Rewards you can earn on your everyday
purchases. Conditions apply.
Transfer and save
During your first 30 days, transfer balances and pay only 1.95% interest on the
transferred balance for the first 6 months (19.95% after that)†.
Track and categorize your spending
Organize your transactions and stay on top of your spending, so you can see your
financial habits and you’ll get a better idea of what you have left to spendleft
to spend each month.

Show More


Show Less  -

Free cards for Authorized Users on your Account
Mastercard® accepted worldwide at more than 24 million locations in over 210
countries
Mastercard Zero Liability
Mastercard Tap & GoTM


2% MONEY-BACK CATEGORIES

Grocery
Furniture
Restaurants
Hotel-Motel
Gas
Recurring Bill Payments
Drug Store
Home Improvement
Entertainment
Public Transportation and Parking


FEES & INTEREST

$0 Annual fee

Information about fees and interest rates Interest on Purchases: 19.95% Balance
transfer fee: 3.00% of the amount transferred,
or minimum of $5.00 Promotional Balance transfer interest rate†: 1.95% interest
for the
first 6 months (19.95% after that) Foreign currency conversion: 2.50% Cash
advance: $3.50 within Canada, $5.00 outside Canada Interest on Cash Advances:
19.95% Dishonoured payment: $25.00 Over-Limit: $25.00 Rush Card: $25.00 Past
statement reprint: $5.00 per statement, no charge for
reprint of current monthly statement

Grace Period: We calculate interest on any amount owed from the transaction date
until that amount has been paid in full. However, we don’t charge interest on
new Purchases that appear on your Credit Card Account statement for the first
time if we receive payment in full of your Balance (as shown on your Credit Card
Account statement) by the Payment Due Date on that statement. This interest-free
grace period doesn’t apply to Cash Advances.
See the Disclosure Statement that you will receive with your Card for full
details about the fees and rates that apply to your Card.


MOBILE WALLETS

Convenient ways to pay with your Tangerine Client Card and Money-Back Credit
Card.
Apple Pay
Google Pay
Samsung Pay

--------------------------------------------------------------------------------

Additional Card Benefits
Purchase Assurance and Extended Warranty1 – For most new purchases made anywhere
in the world using your Tangerine Money-Back Credit Card, you may receive a
lifetime maximum of up to $60,000 for the following insurance coverage:
• Purchase Assurance to automatically cover loss, theft or damage on most new
insured items for 90 days from the date of purchase
• Extended Warranty which may double the period of repair services to a maximum
of one year


WITH A TANGERINE MONEY-BACK CREDIT CARD WE'LL HELP YOU KEEP YOUR SPENDING
ON TRACK.

We recently introduced a new enhancement to help you spend smarter. It looks at
your Credit Card Account activity, along with other details you provide, and
gives you information to help you stay up-to-date with your spending and make
smart decisions with your money.
Become a Tangerine Client today
Apply Now Apply Now

--------------------------------------------------------------------------------


DON’T THINK THIS ACCOUNT IS FOR YOU? TAKE A LOOK AT OUR OTHER OPTIONS.

Chequing
Learn More
Savings Account
Learn More


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Legal Stuff Collapse
General Terms:
Applicants must apply for the Card and must consent to a credit check. Accounts
must be in Good Standing in order to receive Money-Back Rewards. See the
Tangerine Money-Back Rewards Program Terms & Conditions for full details.
Balance Transfers are treated as Cash Advances and interest applies from the
transaction date that appears on your monthly statement to the date you repay
the balance in full. There is no interest-free grace period on Cash Advances or
Balance Transfers.
Annual Interest Rates: The annual interest rate on Purchases and Cash Advances
(including Balance Transfers) is 19.95%. Rates are subject to change. If you
don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an
interest rate of 24.95% will apply to your Account on Purchases and Cash
Advances (including Balance Transfers).
Other Fees and Rates: These fees are charged on the day the transaction occurs
(unless otherwise indicated): Cash Advance: $3.50 within Canada, $5 outside of
Canada; Balance Transfer: 3% or minimum of $5 (unless reduced or waived) of the
amount transferred when it is posted to your Account. Dishonoured Payment: $25;
Rush Card: $25; Over-Limit: $25 (maximum one Over-Limit charge per monthly
statement period); Past Statement Reprint: $5 per past statement. There is no
charge for a reprint of your current monthly statement. Foreign Currency
Conversion: When the converted transaction amount gets posted to your Account,
we'll add a foreign currency conversion fee of 2.50% to the converted
transaction amount.
See your Information Box in the application for full details or visit
Tangerine.ca/CreditCardLegal. Rates and fees are subject to change.
Footnote dagger†Balance Transfer Promotional Offer at 1.95% for 6 months (1%
Balance Transfer Fee)
A Promotional Rate of 1.95% will apply to any and all Balance Transfers made
within 30 days of the Account opening, and will remain in effect for 6 Statement
Periods from the date the last such Balance Transfer was posted to the Account
(the “Promotional Rate Period”). To take advantage of this Promotional Offer,
you must complete the Balance Transfer request within 30 days of Account
approval. You must also activate your Card within 45 days of Account approval
for the requested Balance Transfer to be processed, or the Balance Transfer will
be automatically cancelled. Balance Transfers are treated as Cash Advances on
your Card and do not have an interest-free grace period. Balance Transfers may
not exceed the available credit on the Account. If the Balance Transfer exceeds
the available credit, the Balance Transfer transaction will not be processed. A
1% Balance Transfer Fee will be charged on each Balance Transfer amount and will
be immediately charged to your Credit Card. This Balance Transfer Fee is waived
by Tangerine if you are a resident of the province of Quebec at the time you
accept this offer. Interest does not accrue on the Balance Transfer Fee, however
it is included in the Minimum Payment amount on your monthly statement. You must
continue to make all of your monthly Minimum Payments by the Payment Due Dates
shown on your monthly statements. If you still have an amount owing from your
Balance Transfer when the Promotional Rate Period ends, the Cash Advance
interest rate of 19.95% will apply to that amount. You must continue to make the
Minimum Payments on your Account, regardless of whether the Balance Transfer has
been processed to your Account. Balance Transfers may not be used to transfer
money to or from another Tangerine Account. See the Tangerine Credit Card
Cardholder Agreement for more information about how we apply payments to
your Account.
Cash Advances (including Balance Transfers) do not earn Tangerine Money-Back
Rewards. See the terms and conditions of the Tangerine Money-Back Rewards
Program at Tangerine.ca/CreditCardLegal for full details on other items that do
not earn Tangerine Money-Back Rewards.
Footnote 11Insurance coverage is underwritten by American Bankers Insurance
Company of Florida Details of the coverage, including definitions, benefits,
limitations, and exclusions are in the Certificate of Insurance provided with
the Card. Read the Certificate of Insurance then keep it in a safe place with
your other valuable documents.
Any of these offers may be changed or cancelled at any time without notice.
Mastercard is a registered trademark, and the circles design is a trademark of
Mastercard International Incorporated.
Tangerine is a registered trademark of The Bank of Nova Scotia, used
under licence.
Forward Banking is a registered trademark of Tangerine Bank.
Apply Now Apply Now
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