Two purchase categories you select, such as groceries or gas
Issuer's current offer
Eligible new clients may earn 10% cash back for 2 months, up to C$100
Limited-time promotion on top of regular cashback, subject to qualification and the issuer’s full offer conditions. Verify availability before applying.
◷ Limited-time promotion; confirm issuer
Welcome offers can change. Always check the issuer’s live page before submitting your application.
How you earn rewards
Understand what earns more, and where the base rate applies.
An additional selected category when rewards are deposited into an eligible Tangerine Savings Account
Eligible purchases outside the chosen categories
Benefits worth understanding
Protections, travel features and everyday extras depend on terms and conditions.
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No annual fee for the primary account and up to five authorized users
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Change selected 2% categories every 90 days, subject to terms
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Purchase Assurance and Extended Warranty coverage
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Rewards credited regularly, without relying on points valuation
Who this card feels right for
Built for practical budgets
This is the kind of card that works well for households trying to keep things simple. The no-fee structure and customizable categories can make it attractive for everyday spending and basic cash back.
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Budget-conscious Canadians who want to choose their highest-spending cash-back categories.
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Keep the annual fee, interest rate and category caps in mind before applying.
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If this feels like a fit, you can read the next Credys card story before opening the official issuer application.
Our honest breakdown
A balanced look at what this card does well — and where it may fall short.
What we like
- No annual fee
- Ability to customize categories for actual spending
- Low stated minimum gross personal income for applicants
What to consider
- The third 2% category requires an eligible savings-account deposit
- Other purchases earn only 0.5%
- No comprehensive premium travel-insurance package
Good fit
Budget-conscious Canadians who want to choose their highest-spending cash-back categories.
Consider another card if…
Travellers who value airport lounges and extensive travel insurance.
Rates, fees and important details
Amounts shown in Canadian dollars. Issuer agreements and provincial rules prevail.
Annual fee$0
Purchase interest rate20.95%
Cash advances22.95%
Foreign currency feeCheck issuer terms
Additional cardholders$0
Income / eligibility noteC$12,000 gross annual personal income; Canadian resident, age of majority
Issuer / networkTangerine · Mastercard
Information reviewedNovember 9, 2026
Not every fee is displayed here. Review the issuer’s full card agreement for balance transfers, insurance exclusions, caps, grace periods and provincial variations.
Who can apply?
Meeting these general criteria does not guarantee approval.
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Be a Canadian resident and of legal age
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Have at least C$12,000 gross annual personal income
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Meet Tangerine credit requirements and bankruptcy restrictions
How to apply in 3 steps
01Review the card details on this Credys page.
02Click Apply to continue to the official Tangerine page.
03Submit your application directly with the issuer.
Frequently asked questions
How many categories earn 2%?
You can select two. A third can be unlocked by depositing rewards into an eligible Tangerine Savings Account.
Is there an annual fee?
No. The issuer currently lists C$0 for the primary card.
What earns the base rate?
Eligible purchases outside the selected 2% categories generally earn 0.5%.
Compare other Canadian cards
Ready to take the next step?
Apply →One more read before applying: what this card means in real life
You’ve read the Credys review. Now you can move to the live issuer page to confirm final terms and apply securely.
Primary product source: official Tangerine product page. Last editorial check: 2026-11-09.