The Tangerine Money-Back Credit Card is a versatile tool for everyday purchases, offering various benefits. With this card, you can conveniently make online and in-store purchases, all while earning rewards points that can save you money or cover expenses.

Credit cards also provide valuable features like fraud protection and rewards programs. Owning a credit card is essential for daily shopping, especially for college students and frequent diners.

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Credit come with benefits like lower interest rates and financial protection, helping you build a healthy credit score for future financial goals. While you may be concerned about your credit score, credit card companies offer perks such as rewards programs and manageable credit lines to maintain your credit health.

The Tangerine Money-Back Credit Card is one option to consider, and this article explores its benefits, rates and fees, user reviews, eligibility criteria, and the application process. It’s a card that can enhance your financial flexibility and provide rewards while managing everyday expenses.

Who is the credit card for Tangerine Money-Back Credit Card?

The Tangerine Money-Back Credit Card is an excellent choice for individuals seeking a versatile credit card for everyday use. This card is suitable for those who want to make both online and in-store purchases conveniently while earning rewards points to save money or cover expenses.

It’s a great option for college students, frequent diners, and anyone looking to benefit from lower interest rates, financial protection, and the opportunity to build and maintain a healthy credit score. Whether you’re a budget-conscious shopper or someone who values financial flexibility, this card is designed to cater to your everyday spending needs.

Credit card benefits Tangerine Money-Back Credit Card

Offers a range of benefits that make it a valuable financial tool in various situations. It comes with no annual fees, allowing you to save money and earn cashback effortlessly. One of its standout features is the absence of limits on reward earnings. You can accumulate rewards from everyday purchases like groceries and gas, making it a flexible choice for enhancing your financial health.

This card offers the convenience of selecting a spending category of your choice, providing a 2% cashback on your purchases within that category. This flexibility empowers you to align your spending with your financial goals. Moreover, the Tangerine Money-Back Credit Card has a relatively low minimum annual income requirement, making it accessible to a broader range of individuals who may not have substantial income.

For those looking to manage existing high-interest credit card balances, the card features a promotional 1.95% balance transfer rate for the first six months. This can be especially advantageous for those seeking to reduce their interest payments and save money while improving their financial well-being.

Tangerine Money-Back Credit Card: Fees and tariffs

  • Annual Fee: One of the notable advantages of this card is that it doesn’t have an annual fee. This means you won’t need to pay a yearly charge to use the card, making it a cost-effective choice;
  • Cash Advance Fee: If you need to get a cash advance using your credit card, the Tangerine Money-Back Credit Card charges a fee of $3.50 within Canada and $5 outside Canada. It’s essential to be cautious when using your credit card for cash advances, as interest starts accruing immediately;
  • Balance Transfer Fee: If you decide to transfer a balance from another card to your Tangerine Money-Back Credit Card, you’ll be subject to a fee of 3% of the amount transferred. The promotional balance transfer rate for the first six months is 1.95%.

How to request?

  1. Check Eligibility: Make sure you qualify by being a Canadian resident of legal age in your region;
  2. Online Application: Visit Tangerine’s website, where you’ll find the card application section;
  3. Personal Details: Fill in your personal information like your name and address, and verify your identity;
  4. Income and Work: Provide your income and job details to help the bank assess your finances and determine your credit limit;
  5. Select Your Card: Choose the Tangerine Money-Back Credit Card and review its features to ensure it suits your needs;
  6. Agree to Terms: Read and accept the bank’s conditions, including allowing them to check your credit;
  7. Submit Application: After verifying your details, review the application for accuracy and submit it;
  8. Wait for Approval: The bank will review your application, including a credit check. If approved, you’ll get your new Tangerine Money-Back Credit Card by mail.

Opinion about the card

The Tangerine Money-Back Credit Card is a solid choice for those looking for a straightforward cashback credit card with no annual fees. Its benefits, including no limits on earning rewards and the ability to pick spending categories, make it appealing for a wide range of users.

The low minimum income requirement also makes it accessible to many Canadians. Additionally, the balance transfer promotion can be advantageous for those seeking to manage high-interest debts.

However, it’s important to remember that the 1.95% balance transfer promotion is temporary and subject to certain conditions. As with any credit card, it’s crucial to use the Tangerine Money-Back Credit Card responsibly to avoid accumulating debt and high-interest charges.

While this card offers many benefits, it’s not without its limitations.

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