Rankings
Best Tangerine Credit Cards in Canada
Tangerine Rewards World Elite Mastercard records the highest first-year value of the Tangerine cards we track at $674, and Tangerine Money-Back World Mastercard leads the same lineup on net annual rewards at $246. Both figures are net of the annual fee.
Which Tangerine credit card earns the most in the first year?
The Tangerine Rewards World Elite Mastercard records the highest first-year value of the Tangerine cards we track: $674 on our example profile, after its $120 annual fee.
| Card | Annual fee | First-year value | Net annual rewards |
|---|---|---|---|
| TopTangerine Rewards World Elite Mastercard | $120 | $674 | $174 |
| Tangerine Money-Back World Mastercard | $0 | $366 | $246 |
| Tangerine Money-Back Mastercard | $0 | $346 | $246 |
WalletReturn example spending of $2,000/month: groceries $500, dining $200, gas $150, transit $80, travel $100, recurring bills $200, entertainment $100, drugstore $40, online $300, other $330.
Tangerine lets you choose your bonus categories, and two of its three cards charge no annual fee at all — the third trades a fee for a larger welcome offer.
First-year value counts the welcome bonus where our engine supports the offer; that is $500 of the Tangerine Rewards World Elite Mastercard’s total, and it is paid once. Net annual rewards is the figure that describes year two onward.
Put it into practiceTangerine cardsWhich Tangerine card is best after the first year?
The Tangerine Money-Back World Mastercard records the highest net annual rewards of the lineup at $246 on our example profile.
| Card | Annual fee | First-year value | Net annual rewards |
|---|---|---|---|
| TopTangerine Money-Back World Mastercard | $0 | $366 | $246 |
| Tangerine Money-Back Mastercard | $0 | $346 | $246 |
| Tangerine Rewards World Elite Mastercard | $120 | $674 | $174 |
Every card we track in this lineup records a positive net annual figure on our example profile.
None of these cards records a zero foreign transaction fee, so US-dollar spending carries the card’s recorded fee.
What do Tangerine credit cards cost a year?
Annual fees in this lineup run from $0 on the Tangerine Money-Back World Mastercard to $120 on the Tangerine Rewards World Elite Mastercard.
| Card | Annual fee | Net annual rewards |
|---|---|---|
| TopTangerine Rewards World Elite Mastercard | $120 | $174 |
| Tangerine Money-Back World Mastercard | $0 | $246 |
| Tangerine Money-Back Mastercard | $0 | $246 |
The value columns on this page are net of the annual fee: a card whose fee is larger than the rewards we estimate shows a negative figure rather than a hidden cost.
A fee is worth paying when the rewards and benefits you would actually use exceed it. Where a benefit needs a spending level or a booking channel you do not use, it does not count.
How does Tangerine compare with the rest of the catalogue?
The strongest Tangerine card records $674 of first-year value; the highest in the catalogue is $1,251 on the TD First Class Travel Visa Infinite Card.
| Card | First-year value |
|---|---|
| TopTangerine Rewards World Elite Mastercard | $674 |
| TD First Class Travel Visa Infinite Card | $1,251 |
A larger first-year figure usually means a bigger welcome bonus rather than a better ongoing rate: compare the net annual rewards column before reading a gap as a permanent advantage.
Every card is put through the same engine, the same example profile and the same earn rules, so a card cannot move up because of an affiliate relationship.
How do I check these Tangerine cards against my own spending?
Enter your monthly spending in Find My Card and the same engine re-ranks these cards on your numbers instead of our example profile.
WalletReturn example spending of $2,000/month: groceries $500, dining $200, gas $150, transit $80, travel $100, recurring bills $200, entertainment $100, drugstore $40, online $300, other $330.
WalletReturn is paid by affiliate links on some cards. That never changes an estimate, a cap or the order of a ranking, and an unrecorded fact stays unrecorded rather than being assumed in a card’s favour.
Keep reading
RankingsBest American Express Cards in CanadaEvery Amex and Amex-network card in Canada ranked by first-year value, including Scotiabank’s Amex cards. Top: Scotiabank Gold American Express ($1,011).
Choosing a cardAmex SimplyCash vs Tangerine Money-Back in CanadaOn our example spending profile the SimplyCash Card from American Express finishes the year $83 ahead: $329 of rewards net of its $0 regular annual fee, against $246 for the Tangerine Money-Back Mastercard after its $0 fee. The SimplyCash Card from American Express also pays the higher recorded rate in 1 of the 9 categories both cards price, and the Tangerine Money-Back Mastercard in 6.- Choosing a cardSimplii Cash Back Visa vs Tangerine Money-Back in CanadaOn our example spending profile the Simplii Financial Cash Back Visa finishes the year $65 ahead: $311 of rewards net of its $0 regular annual fee, against $246 for the Tangerine Money-Back Mastercard after its $0 fee. The Simplii Financial Cash Back Visa also pays the higher recorded rate in 1 of the 9 categories both cards price, and the Tangerine Money-Back Mastercard in 7.
RankingsBest BMO Credit Cards in CanadaBMO VIPorter World Elite Mastercard records the highest first-year value of the BMO cards we track at $1,064, and BMO CashBack World Elite Mastercard leads the same lineup on net annual rewards at $430. Both figures are net of the annual fee.
Official sources and further reading
Terms vary by product. Confirm the provider’s current terms before acting. This guide does not predict approval, realized value or credit-score changes. How WalletReturn calculates value