If you’re on the hunt for a no-nonsense, rewards-packed credit card in Canada, the Tangerine Credit Card should definitely be on your radar. Known for its flexibility, cash back perks, and easy-to-use digital platform, Tangerine has quickly become a favorite among Canadians—especially those looking for a smart, fee-free option.
In this guide, we’ll cover everything from Tangerine Credit Card requirements and benefits, to how to apply for a Tangerine Credit Card, student eligibility, contact information, and more.
Why Choose a Tangerine Credit Card?
Unlike traditional cards that restrict you to fixed rewards categories, Tangerine lets you choose your cash back categories. This means you can tailor your spending to maximize your benefits.
Key Features of the Tangerine Credit Card
- No annual fee
- 2% cash back on two categories of your choice (e.g., groceries, gas, restaurants)
- 0.5% cash back on all other purchases
- Option to add a third 2% category if you deposit rewards into a Tangerine Savings Account
- Flexible redemption – cash back is credited monthly
- Powered by Mastercard, accepted worldwide
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Tangerine Credit Card Benefits
| Benefit | Details |
|---|---|
| Annual Fee | $0 |
| Cash Back Categories | Choose 2 (or 3 with savings account deposit) |
| Cash Back Rate | 2% on chosen categories, 0.5% on others |
| Payment Network | Mastercard |
| Extras | Purchase assurance, extended warranty, Mastercard benefits |
Pro tip: Unlike many other cash back cards, Tangerine allows you to customize categories to match your lifestyle.
Tangerine Credit Card Requirements
Before you apply, it’s good to know the basic eligibility:
- Age: Must be the age of majority in your province (18 or 19 depending on province)
- Credit Score: Generally fair to good (660+ recommended)
- Income Requirement: Minimum $12,000 annual income
- Residency: Must be a Canadian resident
- Other: Valid Social Insurance Number (SIN)
Tangerine Credit Card for Students
Yes, students can apply! While you’ll still need to meet the income requirements, Tangerine is known for being student-friendly since there’s no annual fee and you can start building credit responsibly.
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Why Students Like Tangerine Credit Card:
- No annual fee
- Flexible cash back on everyday spending (groceries, transit, etc.)
- Helps build credit history
- Easy online and mobile banking tools
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How to Apply for a Tangerine Credit Card
Applying is simple and completely online.
- Go to the official Tangerine Credit Card application page: Tangerine Credit Card Apply
- Fill out the online application with your personal and financial details
- Choose your 2 cash back categories
- Submit your application
- Get a response (sometimes instantly)
Tangerine Credit Card Limit
Your credit limit depends on your income, credit history, and overall financial profile.
- Minimum limit: Around $500 (for lower income or new credit users)
- Average limit: $2,000–$5,000 for most applicants
- High limit: $10,000+ for those with excellent credit and higher income
Tangerine Credit Card Contact
Need help with your card? Here are the key Tangerine Credit Card contact options:
- Phone (Canada & U.S.): 1-888-826-4374
- International Collect: 416-758-3139
- Website Contact Page: Tangerine Contact
Pros and Cons of Tangerine Credit Card
| Pros | Cons |
|---|---|
| No annual fee | No travel rewards |
| Customizable cash back categories | Requires $12,000 income |
| Unlimited cash back | No premium perks like lounge access |
| Great for students and first-time cardholders | Lower cash back rate (0.5%) on non-category purchases |
FAQs About Tangerine Credit Card
1. How long does Tangerine credit card approval take?
Most applicants get an instant decision, but in some cases, it may take a few days.
2. Can I increase my Tangerine credit card limit?
Yes, you can request a limit increase after demonstrating responsible usage for a few months.
3. Does Tangerine offer a credit card for students?
Yes, students can apply as long as they meet the income and residency requirements.
4. How do I redeem my cash back rewards?
Rewards are automatically applied monthly either to your credit card balance or to your Tangerine Savings Account.
5. Can I cancel my Tangerine credit card easily?
Yes, just call Tangerine Credit Card contact at 1-888-826-4374 to cancel anytime.
Final Thoughts
The Tangerine Credit Card is one of the best no-annual-fee cash back cards in Canada. Its customizable categories, straightforward benefits, and student accessibility make it an excellent choice for anyone looking to save while spending.
If you’re ready to start earning rewards, you can apply for the Tangerine Credit Card here.
Disclaimer: The information provided in this article is for general informational purposes only and may not reflect the most up-to-date product details. Credit card terms, eligibility requirements, and benefits are subject to change. Please visit the official Tangerine website or contact Tangerine directly for the most accurate and current information before applying.
