Card features you'll like the most Cash Back Make your everyday purchases profitable.
Mobile Device Insurance Protect your cellphone, smartphone or tablet.
Travel Insurance For the first 3 days of your trips. Purchase Protection and Extended Warranty For most goods purchased with your card.
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
No
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Vehicle rental insurance
No
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Travel accident insurance
No
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Travel medical insurance
Yes
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
- Other features 21-day grace period to pay your bill without incurring credit charges
- No transaction fees
- Contactless payment technology
- Online shopping protection Visa Checkout (available on Visa cards only) Masterpass
- Get a discount on short-term car rentals at participating Hertz locations worldwide.
- Canada and the U.S. (at participating locations) 10% off Hertz weekend, weekly or monthly rental rates on all car classes 5% off Hertz daily rental rates on all car classes Outside Canada and the U.S. (at participating locations) 10% off Hertz "Affordable Europe" rates.
The Desjardins Cashback Card is yet another card from Desjardins with no annual fee. Again, it's non-impressive in terms of cashback, offering you only 1% back on your purchases. However, you may get additional cards for free, plus car rental discounts at Hertz. Let's explore some of the features of this card below.
First, you don't have to pay anything for it. The interest rate is at a standard $19.99, but that's pretty much all that you're going to have to pay. However, you can get insurance for your mobile device for up to $1,000. Very few card providers give you mobile or tablet insurance for free.
Just like other Desjardins cards, you can benefit from travel insurance for free during the first 3 days of your travel. This includes everything, from trip cancellation and emergency medical trips to baggage insurance and interruption.
For Hertz rentals, you can get 10% back. You can also enjoy free travel assistance. When you travel abroad, you'll have to pay a low 2.5% currency conversion fee. However, for the balance transfer, you'll have to pay a high 21.99%, so you should not use this card to pay off your debt.
Special Offer:
Life’s back in session. Enjoy it with an extra 10% back.*
Apply for a Tangerine Money-Back Credit Card by October 31, 2024 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Balance transfer offer:
During your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months†.(with a 1% fee)
Earn 2% Money-Back Rewards on purchases in up to 3 categories of your choice with the Tangerine Money-Back Credit Card, and 0.50% Money-Back Rewards on all other purchases.
Tangerine Money-Back Features
- 2% Rewards in your chosen categories
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Optimizing your 2% Money-Back Categories to suit your everyday spending has never been easier. Choose your categories to earn the most money back.
Tangerine Money-Back Credit Card 2% Cash Back Categories:
- Grocery
- Furniture
- Restaurants
- Hotel-Motel
- Gas
- Recurring Bill Payments
- Drug Store
- Home Improvement
- Entertainment
- Public Transportation and Parking
Tangerine Money-Back Credit Card Fees:
- 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)
Tangerine Money-Back Credit Card Rewards Features
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Tangerine Money-Back Credit Card Insurance
- Purchase Assurance and Extended Warranty– For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:
- Purchase Assurance to automatically cover loss, theft or damage on most new insured items for 90 days from the date of purchase
- Extended Warranty which may double the period of repair services to a maximum of one year
Free cards for Authorized Users on your Account
Mastercard® accepted worldwide at more than 24 million locations in over 210 countries
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•7.99% introductory interest rate on purchases for the first 6 months (20.99% after that)
• Cash back on everyday spending with no annual fee
• 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
• 0.5% cash back on all other eligible everyday purchases
Make everyday purchases quickly and safely with just a tap of your contactless-enabled Mastercard or device
Tangerine World Mastercard Review 2024
Special Offer:
Apply for a Tangerine World Mastercard® by October, 2024 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook.
