Quels sont les frais annuels de la carte Tangerine Money-Back Mastercard?

La carte Tangerine Money-Back Mastercard n’a pas de frais annuels.

La carte Tangerine Money-Back Mastercard en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 246 $ en récompenses annuelles nettes après les frais annuels et 346 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte Tangerine Money-Back Mastercard rapporte-t-elle?

2% cash back in two chosen categories, or three with rewards deposited to a Tangerine Savings Account; 0.5% cash back on all other purchases.

Quel est le taux d’intérêt de la carte Tangerine Money-Back Mastercard?

Le taux d’intérêt sur les achats est de 20,95 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

Tangerine Money-Back Mastercard

Tangerine

Money-Back Rewards

Accumulation des récompenses

drugstore: 2% cash back

Frais annuels: 0,00 $
Valeur de la prime la première année: 100 $
Récompenses annuelles nettes: 246 $
Valeur la première année: 346 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 0 $

Taux d’intérêt

Achats : 20,95 %

Avances de fonds : 22,95 %

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Mastercard · Remise en argent

Récompenses

Programme : Money-Back Rewards

Émetteur

Tangerine

Admissibilité pas entièrement vérifiée

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

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

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

346,00 $

net annual rewards + welcome bonus

Récompenses annuelles nettes: 246,00 $
Prime de bienvenue: 100,00 $

Détail des récompenses annuelles

Récompenses accumulées en un an	246,00 $
Frais annuels	0,00 $
Récompenses annuelles nettes	246,00 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Choose redemption or eligibility details. Complete the verified choices to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Illustrative annual rewards: 151,50 $
Frais annuels habituels: 0,00 $
Illustrative net ongoing value: 152,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Eligible drug stores purchases. This is part of your existing spending.
Enter monthly Eligible eating places purchases. This is part of your existing spending.
Enter monthly Eligible e-games purchases. This is part of your existing spending.
Enter monthly Eligible entertainment purchases. This is part of your existing spending.
Enter monthly Eligible fitness and sports clubs purchases. This is part of your existing spending.
Enter monthly Eligible furniture purchases. This is part of your existing spending.
Enter monthly Eligible gas purchases. This is part of your existing spending.
Enter monthly Eligible grocery purchases. This is part of your existing spending.
Enter monthly Eligible home improvements purchases. This is part of your existing spending.
Enter monthly Eligible hotels and motels purchases. This is part of your existing spending.
Enter monthly Eligible public transportation and parking purchases. This is part of your existing spending.
Enter monthly Eligible recurring bill payments purchases. This is part of your existing spending.
Enter monthly Foreign-currency groceries purchases. This is part of your existing spending.
Enter monthly Foreign-currency dining purchases. This is part of your existing spending.
Enter monthly Foreign-currency gas purchases. This is part of your existing spending.
Enter monthly Foreign-currency transit purchases. This is part of your existing spending.
Enter monthly Foreign-currency travel purchases. This is part of your existing spending.
Enter monthly Foreign-currency recurring bills purchases. This is part of your existing spending.
Enter monthly Foreign-currency entertainment purchases. This is part of your existing spending.
Enter monthly Foreign-currency drugstore purchases. This is part of your existing spending.
Enter monthly Foreign-currency online shopping purchases. This is part of your existing spending.
Enter monthly Foreign-currency other purchases. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

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.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

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Prime de bienvenue: 100,00 $
Récompenses annuelles nettes: 246,00 $
Valeur la première année: 346,00 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

Drugstores, dining, gaming, entertainment, fitness, furniture, gas, groceries, home improvement, hotels, transit, recurring bills and Foreign-currency purchases2 %cash back
Tout le reste0,5 %cash back

Earning rules and limits

Category selections may be changed every 90 days.
Earning depends on network merchant categories.
Savings-account deposit is required for the third category.

Redemption methods

Remises en argent
Full cash value
Fonctionnement
- Monthly on/about billing date or next business day.
- Card credit does not satisfy minimum payment.
- Account standing and return adjustments apply.
Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: not included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: not included
Bagages: not included
Location de voiture: included
Accident de voyage: not included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: included

4 assurances2 avantages

AssuranceCoverage

Rental car collision/loss damage insuranceValeur du véhicule de location
Valeur du véhicule de location
Up to 31 consecutive days
Full rental charged to the card
Issuer terms (opens new tab)
Not counted in this estimate
Assurance appareils mobiles1 000 $
Jusqu’à 1 000 $
Device or wireless bills charged to the card
Issuer terms (opens new tab)
Not counted in this estimate
Assurance achats60 000 $
$60,000 lifetime (shared with extended warranty)
90 days from purchase
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongée60 000 $
$60,000 lifetime (shared)
Up to 1 extra year
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)
Not counted in this estimate

AvantagesDétails

Up to 5 free authorized usersInclus
From the issuer’s product page. Terms apply.
Issuer terms (opens new tab)
Not counted in this estimate
Shell fuel savings when linked to Shell Go+Inclus
From the issuer’s product page. Terms apply.
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

Prime de bienvenue d’une valeur d’environ 100 $
2% cash back in two chosen categories, or three with rewards deposited to a Tangerine Savings Account
Sans frais annuels

Points faibles

Les catégories bonifiées ont des plafonds de dépenses

Échange

Minimum, délais et restrictions d’échange

Monthly on/about billing date or next business day. Card credit does not satisfy minimum payment. Account standing and return adjustments apply.

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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