Tangerine Money-Back World Mastercard
Higher earners who want the Tangerine 2% category system upgraded with insurance and travel perks at no cost.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
If you meet the income bar, this is the obvious pick over the base card: identical uncapped 2% cash back plus mobile device insurance, rental car coverage and travel benefits, still with no annual fee.
Reward rates
2% category of your choice Choose 2 categories (3 if rewards deposit to a Tangerine Savings Account) from 13 options including grocery, restaurants, gas, recurring bills and foreign currency spend. Unlimited earning | 2% |
2% category of your choice | 2% |
2% category of your choice Third category unlocked with Tangerine Savings Account deposit | 2% |
Everything else | 0.5% |
Welcome bonus
$100 Money-Back Rewards bonus
Requirement: Spend $1,500 in your first 3 months
Pros
- All the Money-Back card's earning power plus real insurance and travel extras
- Mobile device and rental car coverage on a $0-fee card is rare
Cons
- Higher income requirement ($50k personal or $80k household)
- Lounge access is membership only - visits cost extra
Perks
- Same uncapped 2% choose-your-categories cash back, still no annual fee
- Mobile device insurance up to $1,000
- Mastercard Travel Pass by DragonPass airport lounge program access
- Complimentary FlexiRoam global data roaming each year
- Rental car collision coverage and Fubo TV offer
- 20% off H&R Block tax software
Insurance
- Mobile device insurance (up to $1,000)
- Rental car collision/loss damage insurance
- Purchase assurance (90 days) and extended warranty (up to $60,000 lifetime)
Frequently asked questions
Is the Tangerine Money-Back World Mastercard worth it?
It has no annual fee, and we rate it 4.3 out of 5. It's best suited to higher earners who want the Tangerine 2% category system upgraded with insurance and travel perks at no cost. The welcome bonus is worth roughly $100, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Tangerine Money-Back World Mastercard earn?
It earns 2% on 2% category of your choice, 2% on 2% category of your choice and 2% on 2% category of your choice.
What credit score do you need for the Tangerine Money-Back World Mastercard?
We'd suggest a score of around 640 or higher, which puts approval in our "moderate" band. It also lists an income requirement of $50,000 personal or $80,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Tangerine Money-Back World Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/tangerine-money-back-world, updated June 2026.
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