Tangerine Money-Back Credit Card Is Canada’s No-Fee Cashback Powerhouse Canadians Trust

Everyday value with no annual fee

The Tangerine Money-Back Credit Card gives Canadians a straightforward, no-fee cashback option that works with daily life. With up to three custom 2% categories, the card lets you pick where you earn the most — groceries, transit, or dining — while all other purchases earn 0.5%.

Because there is no annual fee, the Tangerine Money-Back Credit Card is ideal for students, young professionals, and families who want solid cashback without a yearly cost. Cashback is credited monthly to your chequing or credit account automatically, making rewards simple and useful for routine budgeting.

Flexible categories and unlimited earnings

One of the biggest draws of the Tangerine Money-Back Credit Card is the ability to choose up to three 2% categories and change them as needed. That flexibility means shoppers in Ontario, B.C., Quebec or the Prairies can tailor the card to local spending habits and seasonal shifts.

Unlike many cards that cap your reward potential, the Tangerine Money-Back Credit Card has no limits on how much cashback you can earn. For Canadians who do the bulk of their spend in selected categories, this translates into meaningful monthly savings without complicated rollover or redemption rules.

Protection, convenience and digital payments

Beyond cashback, the Tangerine Money-Back Credit Card offers purchase assurance and extended warranties, which are handy protections for big-ticket buys. The card also supports Apple Pay, Google Pay and Samsung Pay so you can tap and go in stores that accept Interac contactless or global tap payments.

Tangerine’s mobile app and online banking let you monitor transactions, change categories, and set up automatic transfers for your cashback. For many Canadians, the combination of digital convenience and solid protection makes the Tangerine Money-Back Credit Card a practical daily driver.

How it compares and when to apply

Compared to premium travel or rewards cards that charge annual fees, the Tangerine Money-Back Credit Card focuses on simple, reliable cashback for everyday spending. If you travel frequently, you may pair this card with a travel-friendly, low-foreign-fee option; otherwise, its no-fee structure is a big win for local use.

Applying is straightforward for Canadian residents of majority age and those with a good credit profile. If you want a no-fee cashback card you can trust for groceries, transit and recurring bills, the Tangerine Money-Back Credit Card is a competitive choice that keeps rewards clear and accessible.