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Best Tangerine Credit Cards

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Tangerine

The Tangerine World MasterCard is one of the best cashback cards packed...
  • $0
    Annual fee
  • $100
    Welcome Bonus
  • 2%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
There are two types of credit cards you can sign up for with Tangerine...
  • $0
    Annual fee
  • $100
    Welcome Bonus
  • 2%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews

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Tangerine Credit Cards

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Online banks have taken Canada by storm. They’re considered cheaper alternatives to big banks that are generous with banking fees. One such online bank is Tangerine.

Tangerine prides itself on the simplicity and convenience of its service. Amongst their service offerings are credit cards that boast no annual fees. And they have competitive cashback benefits that easily make them the top choice for several Canadians.

Types of Tangerine Credit Cards

Tangerine offers two credit cards, the Tangerine Money-Back credit card and the Tangerine World Mastercard. The Tangerine World Mastercard is the top-tier option, giving cardholders more benefits.

Both credit cards carry no annual fee. And they're enrolled in Tangerine's reward program, meaning you can earn cashback.

While Tangerine's credit cards aren't as many as other banks, they stand out for their spending, perks, and insurance benefits. They run on the Mastercard payment processing network. Therefore, you can use your card anywhere you see a Mastercard logo.

Tangerine Credit Card Perks

Besides having no annual fees and earning cashback rewards, Tangerine credit cards have the following perks:

  • Extended warranty and price protection
  • Travel and mobile device insurance
  • Tangerine security
  • Mastercard Zero Liability
  • Access to complimentary Boingo Wi-Fi hotspots around the world (only available with World Mastercard)
  • Complimentary lounge access through LoungeKey (only available with World Mastercard)

Tangerine Money-Back

Both Tangerine Mastercard credit cards have equivalent money-back benefits. These are their earn rates:

  • Up to 2% cashback on everyday purchases within two categories of your choice,
  • 50% cashback on everything else

Tangerine allows you to choose which categories you earn money back. Therefore, you can target those on which you spend the most money. Your choices include:

  • Public transportation and parking
  • Entertainment
  • Gas
  • Home improvement
  • Drug store purchases
  • Recurring bill payments
  • Groceries
  • Furniture
  • Restaurants
  • Hotel-motel

What's more, you can unlock the third category to earn 2% money-back. You have to opt into Tangerine, depositing your rewards in a savings account.

tangerine credit cards money back credit card 720x300 - comparewise

Pros and Cons of Tangerine Credit Cards

A Tangerine credit card in hand is a great asset. However, there are drawbacks to being a cardholder. Consider these pros and cons when you look into getting a Tangerine credit card.

The Pros of Tangerine Credit Cards

  • Flexible cash back categories. You can choose which categories you'd prefer to earn cashback. There are ten options, most of which are typical costs that might take a considerable chunk of your salary.
  • Ability to add an additional cashback category. You can earn 2% cashback in three categories when you allow Tangerine to deposit your earnings in a savings account.
  • Lucrative welcome offers. As a new cardholder, you can earn $100 in cashback in the first two months of using your credit card. This offer is available on both Tangerine credit cards.
  • No annual fee. Like the rest of Tangerine's banking products, its credit cards don't have an annual fee. Earn great rewards while saving on credit card fees.

The Cons of Tangerine Credit Cards

  • No comprehensive travel insurance. Although the Tangerine World Mastercard has insurance, it isn’t for travel. At most, you get car rental insurance.
  • Both cards have income requirements. You’ll need to meet the minimum income criteria to qualify for a Tangerine credit card. The Threshold on the Tangerine World Mastercard is the highest.

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Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

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March 17, 2022
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FAQs about
Tangerine Credit Cards

Can I Apply for a Tangerine Credit Card Online?

Yes, you can apply for either of the Tangerine credit cards online. Visit their website, then click the ‘apply now’ button to get started. You’ll be redirected to another page where you can begin your application.

What Credit Score Do I Need to Get a Tangerine Credit Card?

You’ll consent to a credit check when you apply for a Tangerine credit card. We recommend a good (660) to excellent credit score (900) to improve your chances of approval. Besides the credit score requirements, your record should be clear of bankruptcy declarations in the past seven years.

Do the Tangerine Credit Cards Have Income Requirements?

Yes, both Tangerine credit cards have income requirements. The Tangerine Money-Back Credit Card requires a $12,000 or more personal annual income. As for the Tangerine World MasterCard, the requirements are much higher.

You must have a gross annual income of $60,000 or more. If your gross domestic income is $100,000, you will also qualify for this credit card.

Do Tangerine Credit Cards Come With Travel Insurance?

Unfortunately, the Tangerine credit cards don’t have travel insurance. However, the Tangerine World Mastercard has mobile device insurance and rental car coverage.

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