cash-back4.3 / 5

Tangerine Money-Back World Mastercard

Tangerine

Best for

Higher earners who want the Tangerine 2% category system upgraded with insurance and travel perks at no cost.

Apply on Tangerine

Annual fee

None

FX fee

2.5%

Purchase APR

19.95%

Income req.

$50,000 personal / $80,000 household

Recommended credit score

640+

Approval difficulty

Moderate approval

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 value

$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)

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“Tangerine Money-Back World Mastercard Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/tangerine-money-back-world, updated June 2026.

Sources

Tangerine cardholder agreement and rates & fees disclosure
VaultNerd cards database