Netwise

All calculators

Tangerine credit cards

Verified Oct 16, 2026CAD

2 Tangerine cards ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $120.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

  1. #1Tangerine Rewards World Elite Mastercard

    Tangerine

    Rewards World Elite Mastercard

    $120 feeGroceries 1.5xDining 1.5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$878
    Year 2+$378

    3 years $1,634 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$878
    Year 2+$378
    Welcome or anniversary bonus$500 / $0Rewards on spending$498 / $498Fees (taken off the end)−$120 / −$120
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1.5x
    Groc
    Groceries
    1.5x
    Dine
    Dining and takeout
    1.5x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    1.5x
    Hotel
    Hotels and car rentals
    1.5x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1.5x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1.5x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 2. By 3-year value on the family preset's spending. Over 3 years it's worth $1,634 after fees.
    2. Year 1. $878 = welcome bonus $500 + rewards $498 − fee $120.
    3. Each year after. $378 = rewards $498 − fee $120.
    4. Against #2. Beats Tangerine Money-Back Credit Card by $283 over 3 years, mostly on welcome bonus (+$400).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  2. #2Tangerine Money-Back Credit Card

    Tangerine

    Money-Back Credit Card

    No annual feeGroceries 2%Dining 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$517
    Year 2+$417

    3 years $1,351 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$517
    Year 2+$417
    Welcome or anniversary bonus$100 / $0Rewards on spending$417 / $417Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    0.5%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    0.5%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    0.5%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    0.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #2 of 2. By 3-year value on the family preset's spending. Over 3 years it's worth $1,351 after fees.
    2. Year 1. $517 = welcome bonus $100 + rewards $417.
    3. Each year after. $417 = rewards $417.
    4. Against #1. Trails Tangerine Rewards World Elite Mastercard by $283 over 3 years, mostly on welcome bonus (−$400).
    Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

3-year value on each preset

points at their cash value, after fees. "~" marks estimates.

CardStudentCoupleFamilyFrequent travellerBig spender
Tangerine Rewards World Elite Mastercard$88$1,285$1,634$1,807$3,492
Tangerine Money-Back Credit Card$493$1,073$1,351$1,392$2,667

Frequently asked questions

Which Tangerine card is best?

On a family's spending, Tangerine Rewards World Elite Mastercard is worth the most over 3 years ($1,634). From year 2, Tangerine Money-Back Credit Card keeps the most ($417 a year).

What do Tangerine cards cost?

Annual fees from $0 to $120 across the 2 cards listed here.

What rewards do Tangerine cards earn?

Scene+, Cash back. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.

Sources

Estimates for information only; not financial advice. See how cards are ranked.