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Firstly, the rewards system is exceptionally user-friendly and lucrative. With up to 2% Money-Back Rewards on purchases in two categories of your choice, this card caters to your personal spending habits.
THE BEST CASHBACK CREDIT CARD IN CANADA
Tangerine World Mastercard® Credit Card
Rates & Fees
Get the best rewards
Choice of 2 rewards categories to earn 2% cash back in.
Welcome Bonus
$100
Annual Fee
$0
Regular APR
19.95%
Credit Score
Fair/Good Regular
Rates & Fees
Get the best rewards
Choice of 2 rewards categories to earn 2% cash back in.
Welcome Bonus
$100
Annual Fee
$0
Regular APR
19.95%
Credit Score
Fair/Good Regular
- Cardholders will earn 2% in two (or three) cash-back categories of their choice.
- All purchases will earn a flat rate of 0.5% cash back.
- Cash back is paid out monthly and there are no restrictions on how much you can earn.
- Welcome Bonus: Once approved you’ll earn 10% cash back for the first two months of card membership (up to a limit of $100 in cash back). Must apply by May 2, 2023.
- No annual fee.
- Earn 2% cash back in two spending categories of your choice.
- Earn 2% cash back on a third category if you choose to have your rewards. deposited into your Tangerine Savings account.
- Earn 0.5% cash back on all other purchases.
- Cash back can be redeemed into your savings account or applied to your credit card balance.
- Cash back is earned automatically and paid out monthly.
- There is no limit on the cash back you can earn.
- Only pay 1.95% interest on balance transfers for six months (must be made within the first 30 days of account opening).
- Add up to five authorized users on your account for no extra cost.
- Mastercard Zero Liability protection included.
Why We Recommend the Tangerine World Mastercard®
In today’s fast-paced financial world, the Tangerine World Mastercard® stands out as a top-tier credit card choice, particularly for those who appreciate a balance between generous rewards and practical benefits. Here’s why this card might just be the perfect addition to your wallet.
You can select from a wide range of categories including groceries, gas, restaurants, and more, ensuring that your most frequent expenses earn you the most rewards. Furthermore, if you deposit these rewards into a Tangerine Savings Account, you unlock a third 2% Money-Back Category, amplifying your savings.
Another compelling reason to choose the Tangerine World Mastercard® is its cost-effectiveness. With no annual fee, this card is accessible to a wide range of users, from students to retirees. This aspect makes it a smart choice for those who are mindful of their finances and prefer not to spend extra on card fees.
Moreover, the card’s flexibility and additional benefits are hard to overlook. The Boingo Wi-Fi access and Mastercard® Travel Pass by DragonPass are particularly beneficial for travelers, offering convenience and luxury in over 1 million Wi-Fi hotspots and 1,300 airport lounges worldwide. These features not only make travel more enjoyable but also more cost-effective.
In essence, the Tangerine World Mastercard® is not just a credit card; it’s a financial tool designed to maximize your rewards while keeping costs minimal. Its adaptability to different lifestyles and spending habits makes it a standout choice in the crowded field of credit card options.
How You Can Use the Tangerine World Mastercard®
The Tangerine World Mastercard® is more than just a payment method; it’s a versatile financial instrument that adapts to various aspects of your daily life. Here’s how you can make the most of it.
For the savvy shopper, this card is a dream come true. Whether you’re filling up your gas tank, stocking up on groceries, or dining out, the customizable cash back categories mean you’re always earning rewards on your most common purchases.
This feature is particularly beneficial for those who like to plan and optimize their spending, as it essentially pays you back for your regular expenses.
If you’re a traveler, this card elevates your experience significantly. The complimentary access to Wi-Fi hotspots globally ensures you’re always connected, whether you’re on a business trip or a leisurely vacation.
The Mastercard® Travel Pass, provided by DragonPass, offers a taste of luxury with its exclusive dining, retail, and spa offers in airports worldwide, along with affordable access to over 1,300 airport lounges. These benefits not only enhance your travel experience but also provide a sense of security and comfort while on the move.
What sets the Tangerine World Mastercard® apart is its commitment to sustainability. The card being made from 100% recycled plastic is a testament to Tangerine’s dedication to environmental responsibility. This feature might appeal especially to eco-conscious consumers who prefer to support and use products that align with their values.
Advantages of the Tangerine World Mastercard®
When it comes to choosing a credit card, the Tangerine World Mastercard® stands out for several compelling reasons. One of the most attractive features is its personalized cash back rewards system.
You can earn up to 2% Money-Back Rewards in categories you choose, like groceries or gas, making your everyday purchases more rewarding. Plus, if you deposit these rewards into a Tangerine Savings Account, you get an additional 2% Money-Back Category, which amplifies your savings potential.
Another significant advantage is the absence of an annual fee. This makes the Tangerine World Mastercard® an excellent choice for budget-conscious individuals who want the benefits of a credit card without the extra cost.
It’s also a great card for travelers, offering free access to over 1 million Wi-Fi hotspots globally and exclusive deals and lounge access at airports through the Mastercard® Travel Pass provided by DragonPass. These features not only make traveling more convenient but also add a touch of luxury to your journeys.
Moreover, the card is environmentally friendly, being made of 100% recycled plastic. This feature is particularly appealing to the eco-conscious consumer, aligning with a growing trend towards sustainability in financial products.
Disadvantages of the Tangerine World Mastercard®
However, the Tangerine World Mastercard® is not without its drawbacks. The most notable is the relatively high interest rate on purchases and cash advances, which sits at 19.95%. This can be a significant concern for those who carry a balance on their card.
Additionally, foreign currency transactions incur a 2.50% fee, which might be a disadvantage for users who frequently make purchases in other currencies.
Credit Assessment for the Tangerine World Mastercard®
The credit assessment process for the Tangerine World Mastercard® is thorough yet straightforward. Tangerine, like most credit card issuers, evaluates your creditworthiness based on several factors, including your credit score, income level, and overall financial history.
A good credit score is crucial as it indicates your reliability in managing credit and repaying debts. Your income level is also a key consideration, as it reflects your ability to make regular payments.
Tangerine may also review your current debts and financial obligations to assess your debt-to-income ratio. This ratio helps them understand how much of your income is already committed to other debts, which could impact your ability to manage additional credit responsibly.
It’s important to note that while these factors are critical in the assessment process, Tangerine may also consider other individual circumstances. The application process is generally user-friendly, with clear instructions and prompt feedback.
This transparency ensures that applicants are well-informed about their application status and any additional requirements. Overall, Tangerine’s credit assessment for the World Mastercard® is designed to ensure that the card is a good fit for both the applicant and the issuer, promoting responsible credit use.
Is There a Maximum and Minimum Limit on the Tangerine World Mastercard®?
When considering the Tangerine World Mastercard®, it’s essential to understand its credit limit range. The minimum and maximum credit limits are not universally set, as they vary based on individual financial circumstances. Tangerine assesses factors such as your credit score, income, and existing debt to determine your eligible credit limit.
This personalized approach ensures that the limit granted aligns with your financial capacity, promoting responsible spending and credit management. It’s worth noting that Tangerine offers competitive limits, making the card suitable for a variety of financial needs, from everyday purchases to significant expenditures.
Interested in Applying? Learn How to Get the Tangerine World Mastercard® Here
Thinking of adding the Tangerine World Mastercard® to your financial toolkit? Getting started is simpler than you might think.
First, ensure you meet the basic eligibility criteria, like age and income requirements. Then, it’s just a matter of completing the online application process, which is user-friendly and straightforward.
Ready to take the next step? Click the button below to navigate to the next page, where you’ll find detailed instructions on how to apply for the Tangerine World Mastercard®. You’ll learn about the necessary documentation, tips for a smooth application, and how to maximize your chances of approval.
Don’t miss out on the opportunity to enhance your financial flexibility and enjoy the benefits of this rewarding credit card. Click below and start your journey towards getting your Tangerine World Mastercard® today!
