Optimizing your 2% Money-Back Categories to suit your everyday spending has never been easier. Choose your categories to earn the most money back.
During your first 6 months, transfer balances from your other high interest rate credit cards, and pay only 1.95% interest on the transferred balance for the first 6 months.
- Annual: $0
- Balance transfer: 3% with $5 minimum
- Cash advance: $3.50 inside Canada, $5 outside Canada, plus 19.95% interest on overdue amounts
- Foreign transaction: 2.5% per transaction
- Missed or late payments: increased interest rates to 24.95% on all purchases
- Over limit: $25 (Tangerine does not allow you to go over your limit unless the transaction was pre-approved)