Tangerine

The Tangerine Money‑Back Credit Card is a no‑annual‑fee, cash‑back Mastercard that lets you customize up to three 2 % reward categories (plus 0.5 % on everything else). You’ll enjoy a 10 % welcome bonus on the first $1,000 spent in your first two months, easy automatic monthly payouts, and a low 1.95 % balance‑transfer rate for six months. It’s simplicity and flexibility all wrapped into one card, ideal for everyday spending.

The Tangerine World Mastercard redefines what a no-fee credit card can offer. Cardholders earn 2% unlimited cash back in up to three customizable categories, plus 0.5% on everything else, giving you the flexibility to match rewards to your lifestyle. Unlike most no-annual-fee cards, it also includes premium perks: mobile device insurance (up to $1,000), rental car collision coverage, and discounted airport lounge access through DragonPass. New cardholders can also claim a 10% cash back welcome bonus on the first $1,000 spent in the first two months – simple, valuable, and easy to achieve.

What makes this card particularly compelling is its adaptability. Categories can be switched to follow seasonal or life changes (groceries in winter, gas in summer, home improvement during renovations), so you never miss out on maximizing rewards. Add to this a 1.95% balance transfer rate for six months and the ability to unlock a third 2% category by depositing rewards into a Tangerine Savings Account, and you’ve got one of Canada’s most versatile no-annual-fee credit cards.

Ideal for Canadians earning $50,000 or more annually, the Tangerine World Mastercard blends cash back flexibility with premium protections – without charging a dime in annual fees.