Tangerine World Mastercard review: requirements and how to apply
See the income requirements, fees and cash back rules before you apply
The Tangerine Money-Back World Mastercard is a no-annual-fee credit card that pays cash back every month, with higher rates in categories you choose.
You earn 2% cash back in two categories of your choice, or three if you have your cash back deposited into a Tangerine Savings Account, and 0.5% on all other purchases. There’s no limit on how much cash back you can earn.
Below, you’ll find who the card is for, its benefits, fees and requirements, and how to apply.
Who is the Tangerine Money-Back World Mastercard for?
The card suits people who want cash back with no annual fee and like choosing where they earn the most, such as groceries, restaurants, gas or recurring bills.
Compared with Tangerine’s basic Money-Back Credit Card, it adds Mastercard World benefits, such as a complimentary global data roaming plan and a Mastercard Travel Pass membership for airport lounge access. It also includes rental car, mobile device and purchase insurance.
To qualify, you must be a permanent resident of Canada, have reached the age of majority in your province or territory and have been clear of bankruptcy for at least 7 years. You also need one of the following: a gross annual income of $50,000, a household income of $80,000, or $250,000 in Tangerine savings and/or investment fund accounts.
What is the credit card limit?
Tangerine doesn’t publish a fixed credit limit for this card. Your limit is set after Tangerine reviews your application, based on criteria such as your income and credit history.
How to increase the card limit
Tangerine may consider a credit limit increase based on how you use your account and your financial situation. Making your payments on time and keeping your balance under control can help.
To ask about a credit limit increase, contact Tangerine through its Help Centre. Any increase depends on Tangerine’s review and isn’t guaranteed.
App
Tangerine is a digital bank, so you can become a client and apply for the card through the Tangerine Mobile Banking app.
In the app, you can manage your accounts, make transfers and payments, and find nearby ABMs. You can also add your card to Apple Pay, Google Pay or Samsung Pay to pay with your phone.
Credit card benefits
Here are the card’s main benefits.
Additional Mastercard World benefits
As a World Mastercard, the card gives you a complimentary 1GB global data roaming plan from FlexiRoam once a year and a complimentary membership in Mastercard Travel Pass, with access to more than 1,300 airport lounges. Check the Mastercard Travel Pass terms for the cost of each visit.
No annual fee
The card has no annual fee, and you can add up to 5 authorized users at no extra cost.
Cash back rewards
You earn 2% cash back in two categories you choose, such as groceries, restaurants, gas, entertainment, drug stores, recurring bill payments or foreign currency spending. If you have your cash back deposited into a Tangerine Savings Account, you can choose a third 2% category. All other purchases earn 0.5%.
Your cash back is paid every month, with no limit on how much you can earn. You can change your 2% categories every 90 days.
Insurance coverage
The card includes Rental Car Collision/Loss Damage Insurance for rentals of up to 31 days, Mobile Device Insurance of up to $1,000, Purchase Assurance for 90 days and Extended Warranty of up to one additional year. Coverage is subject to the terms, limits and exclusions in the Certificate of Insurance.
Details of the Tangerine Money-Back World Mastercard
- Brand: Mastercard;
- Type: credit card, accepted in Canada and abroad wherever Mastercard is accepted;
- Credit limit: set by Tangerine based on your application;
- Annual fee: $0;
- Interest rates: 20.95% on purchases and 22.95% on cash advances and balance transfers;
- Foreign currency conversion fee: 2.5%;
- Other fees: cash advance fee of $3.50 within Canada or $5 outside Canada, balance transfer fee of 3% (minimum $5), and $25 each for over-limit, dishonoured payment and rush card;
- Acceptance for those with bad credit: Tangerine doesn’t publish a minimum credit score. Approval depends on its credit check and on meeting the income requirement.
Rates and fees checked on September 22, 2026, against the official Tangerine website. Confirm current terms on the Tangerine website before applying.
Frequently Asked Questions
Documents required to apply
Tangerine doesn’t publish a list of documents for this card. To apply, you’ll need to:
- Become a Tangerine client, if you aren’t one already, which involves online identity verification;
- Provide your personal and financial information, including your income;
- Consent to a credit check.
How to apply for the credit card
- Go to the Tangerine Money-Back World Mastercard page on the Tangerine website;
- Click “Apply now”;
- Log in to your Tangerine account, or sign up as a new client;
- Fill in the application, choose your 2% categories and consent to a credit check;
- Submit your application.
Conclusion
The Tangerine Money-Back World Mastercard can be a good option for people who meet the income requirement and want cash back with no annual fee, plus some travel and lifestyle benefits.
Choosing your own 2% categories, getting cash back every month and having insurance included add value for a no-fee card. However, other purchases earn only 0.5%, and a 2.5% fee applies to foreign currency purchases unless you choose foreign currency spending as a 2% category.
If you don’t meet the income requirement, the Tangerine Money-Back Credit Card offers the same cash back structure without the World benefits.
Before applying, review the card’s fees, interest rates and terms to make sure it fits your spending habits.
Click the button below to be redirected to the official Tangerine website to apply for the Tangerine Money-Back World Mastercard.
You will be redirected
Legal Disclaimer: This website is independent and purely informational, and its content does not constitute financial advice. Finvyu is not affiliated with Tangerine or Scotiabank. We do not guarantee credit approval or card issuance, which are subject solely to the risk analysis of Tangerine Bank. Finvyu Editorial Team.
