BMO CashBack Mastercard ou Tangerine Money-Back Mastercard

En un coup d’œil

Aperçu des cartes choisies, dans l’ordre choisi.
Élément	BMO CashBack Mastercard	Tangerine Money-Back Mastercard
Frais annuels habituels	0 $	0 $
Programme de récompensesLes valeurs diffèrent	Remise en argent	Money-Back Rewards
Taux d’intérêt annuel sur les achats	—	20,95 %

Valeur

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Les récompenses annuelles nettes excluent les primes de bienvenue.

Valeur des cartes choisies, dans l’ordre choisi.
Élément	BMO CashBack Mastercard	Tangerine Money-Back Mastercard
Valeur la première annéeLes valeurs diffèrent	379,5 $	346 $
Récompenses annuelles nettesLes valeurs diffèrent	282 $	246 $
Vos données	Requiert vos données	Requiert vos données
Valeur de la prime la première annéeLes valeurs diffèrent	97,5 $	100 $

Compléter les estimations

Les données communes ne mettent à jour que les cartes qui utilisent la même hypothèse. Les conditions propres à chaque carte restent distinctes.

Modifier les hypothèses de calcul

BMO CashBack Mastercard — annual assumptions also apply to the other annual estimates

Annual estimate assumptions for BMO CashBack Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Eligible Canadian grocery MCC 5411 and merchant-classified automatic recurring payments. Exclude non-eligible merchant classifications and advances, cash-like transactions, interest, fees, refunds and adjustments. Recurring allocations must be disjoint from purchases assigned to another category. Account must be open and in good standing. Same monthly eligible spending assumed across twelve statement cycles; unused allowances do not roll over.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Eligible groceries purchases · CAD/monthEligible Canadian grocery MCC 5411 and merchant-classified automatic recurring payments. Exclude non-eligible merchant classifications and advances, cash-like transactions, interest, fees, refunds and adjustments. Recurring allocations must be disjoint from purchases assigned to another category. Account must be open and in good standing. Same monthly eligible spending assumed across twelve statement cycles; unused allowances do not roll over. Parent: $500/month; remaining: $500/month.Eligible recurring bills purchases · CAD/monthEligible Canadian grocery MCC 5411 and merchant-classified automatic recurring payments. Exclude non-eligible merchant classifications and advances, cash-like transactions, interest, fees, refunds and adjustments. Recurring allocations must be disjoint from purchases assigned to another category. Account must be open and in good standing. Same monthly eligible spending assumed across twelve statement cycles; unused allowances do not roll over. Parent: $200/month; remaining: $200/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Tangerine Money-Back Mastercard

Annual estimate assumptions for Tangerine Money-Back Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Net purchases exclude advances, cash-like transactions, interest, fees, insurance premiums and adjustments. Merchant MCC/recurring classification controls eligibility; account must remain in good standing. Cash rewards are unavailable until posted; no withdrawals to unrelated accounts.

Selected cashback categories

Select two categories for card-account credit or three for payout to your own eligible Tangerine Savings Account. Selections and destination must remain effective throughout the modeled year. Changes can be subject to the 90-day hold. Use disjoint allocations; foreign and merchant eligibility never stack.

Payout destination Drug stores Eating places E-games Divertissement Fitness and sports clubs Furniture Essence Grocery Home improvements Hotels and motels Public transportation and parking Recurring bill payments Foreign currency purchasesThese selections and this payout destination remain the same throughout the modeled rewards year

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Eligible drug stores purchases · CAD/monthIssuer category Drug stores; 5912, 5122. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $40/month; remaining: $40/month.Eligible eating places purchases · CAD/monthIssuer category Eating places; 5812–5814. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $200/month; remaining: $200/month.Eligible e-games purchases · CAD/monthIssuer category E-games; 5816. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $300/month; remaining: $300/month.Eligible entertainment purchases · CAD/monthIssuer category Entertainment; 7941, 7922, 7996, 7991, 7929, 7998, 7832, 7829. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $100/month; remaining: $100/month.Eligible fitness and sports clubs purchases · CAD/monthIssuer category Fitness and sports clubs; 7997, 7032. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $330/month; remaining: $330/month.Eligible furniture purchases · CAD/monthIssuer category Furniture; 5712, 5719, 7641. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $330/month; remaining: $330/month.Eligible gas purchases · CAD/monthIssuer category Gas; 5541/5542; retail automobile fuel. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $150/month; remaining: $150/month.Eligible grocery purchases · CAD/monthIssuer category Grocery; 5411, 5462. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $500/month; remaining: $500/month.Eligible home improvements purchases · CAD/monthIssuer category Home improvements; 5251, 5200, 5261, 5231, 5718, 5713, 5714. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $330/month; remaining: $330/month.Eligible hotels and motels purchases · CAD/monthIssuer category Hotels and motels; 7011, 3500–3828. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $100/month; remaining: $100/month.Eligible public transportation and parking purchases · CAD/monthIssuer category Public transportation and parking; 7523, 4111, 7524, 4121, 4784. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $80/month; remaining: $80/month.Eligible recurring bill payments purchases · CAD/monthIssuer category Recurring bill payments; Merchant-classified automatic recurring billing. Allocate each eligible purchase once. Purchases allocated to a foreign-currency scope must not also be allocated here; if both categories are selected the rate is 2%, not additive. Parent: $200/month; remaining: $200/month.Foreign-currency groceries purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $500/month; remaining: $500/month.Foreign-currency dining purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $200/month; remaining: $200/month.Foreign-currency gas purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $150/month; remaining: $150/month.Foreign-currency transit purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $80/month; remaining: $80/month.Foreign-currency travel purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $100/month; remaining: $100/month.Foreign-currency recurring bills purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $200/month; remaining: $200/month.Foreign-currency entertainment purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $100/month; remaining: $100/month.Foreign-currency drugstore purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $40/month; remaining: $40/month.Foreign-currency online shopping purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $300/month; remaining: $300/month.Foreign-currency other purchases · CAD/monthNet purchases posted as foreign currency, expressed in converted CAD excluding fees. Exclude merchant dynamic conversion to CAD. Allocate foreign purchases here only once; remove them from any merchant-category allocation. Foreign conversion fees and FX savings are not rewards. Parent: $330/month; remaining: $330/month.

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Récompenses

Récompenses des cartes choisies, dans l’ordre choisi.
Élément	BMO CashBack Mastercard	Tangerine Money-Back Mastercard
Comment vous accumulezLes valeurs diffèrent	3 % de remise en argent sur l’épicerie admissible au Canada 1 % sur les factures récurrentes 0,5 % sur les autres achats	2% cash back in two chosen categories, or three with rewards deposited to a Tangerine Savings Account 0,5 % de remise en argent sur tous les autres achats
Taux de base / autres achats admissibles	0,5 % de remise	0,5 % de remise
Conditions des récompenses	Voir les conditions des récompenses 3 % de remise en argent sur l’épicerie admissible au Canada; 1 % sur les factures récurrentes; 0,5 % sur les autres achats. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Groceries and recurring bills each have a $500 spending cap per statement cycle; then 0.5%. Eligible Canadian grocery MCC 5411 and merchant-classified automatic recurring payments. Exclude non-eligible merchant classifications and advances, cash-like transactions, interest, fees, refunds and adjustments. Recurring allocations must be disjoint from purchases assigned to another category. Account must be open and in good standing. Same monthly eligible spending assumed across twelve statement cycles; unused allowances do not roll over. Redeem from $1 for account credit or an eligible BMO bank/InvestorLine deposit; automatic redemptions start at $25. Reward amounts below the minimum represent earned value rather than immediately redeemable cash. Eligible Canadian grocery MCC 5411 and merchant-classified automatic recurring payments. Exclude non-eligible merchant classifications and advances, cash-like transactions, interest, fees, refunds and adjustments. Recurring allocations must be disjoint from purchases assigned to another category. Account must be open and in good standing. Same monthly eligible spending assumed across twelve statement cycles; unused allowances do not roll over. Eligible Canadian grocery MCC 5411 and merchant-classified automatic recurring payments. Exclude non-eligible merchant classifications and advances, cash-like transactions, interest, fees, refunds and adjustments. Recurring allocations must be disjoint from purchases assigned to another category. Account must be open and in good standing. Same monthly eligible spending assumed across twelve statement cycles; unused allowances do not roll over. Redeem from $1 for account credit or an eligible BMO bank/InvestorLine deposit; automatic redemptions start at $25. Reward amounts below the minimum represent earned value rather than immediately redeemable cash. Complete card reward details	Voir les conditions des récompenses 2% cash back in two chosen categories, or three with rewards deposited to a Tangerine Savings Account; 0.5% elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Category selections may be changed every 90 days. Earning depends on network merchant categories; savings-account deposit is required for the third category. Net purchases exclude advances, cash-like transactions, interest, fees, insurance premiums and adjustments. Merchant MCC/recurring classification controls eligibility; account must remain in good standing. Cash rewards are unavailable until posted; no withdrawals to unrelated accounts. Monthly on/about billing date or next business day. Card credit does not satisfy minimum payment. Account standing and return adjustments apply. Complete card reward details

Frais

Frais des cartes choisies, dans l’ordre choisi.
Élément	BMO CashBack Mastercard	Tangerine Money-Back Mastercard
Frais annuels habituels	0 $	0 $
Taux d’intérêt annuel sur les achats	—	20,95 %
Taux annuel sur les avances de fonds	—	22,95 %

Assurances et avantages

Assurances et avantages des cartes choisies, dans l’ordre choisi.
Élément	BMO CashBack Mastercard	Tangerine Money-Back Mastercard
Assurances	Non indiqué : vérifiez auprès de l’émetteur	Non indiqué : vérifiez auprès de l’émetteur
Autres avantages	—	—

Sources

Sources des cartes choisies, dans l’ordre choisi.
Élément	BMO CashBack Mastercard	Tangerine Money-Back Mastercard
Dernière vérification	Dernière vérification : 10 octobre 2026	Dernière vérification : 10 octobre 2026
Sources officielles	Page officielle du produit chez l’émetteur (nouvel onglet)	Page officielle du produit chez l’émetteur (nouvel onglet)

BMO CashBack Mastercard vs. Tangerine Money-Back Mastercard