Tangerine is a direct digital bank: chequing, savings and cards sit with one licensed deposit-taker, not a broker panel. Compare the published fee and {rateAbbr} on the live card — a welcome rate is not the ongoing rate.
Cost
9.0
Flexibility
8.8
Transparency
9.2
Service
8.6
James Okonkwo · Editor, cards and deposits · Scores are editorial and do not affect list order, which is set on published price.
Our review
Suits:Everyday banking and cards where you want a bank as counterparty and no branch network.
What stands out
Direct bank
Chequing, savings and cards
Published fee and rate
Tangerine appears in the Canada comparison as a direct bank. Buckmatch lists it because there is a working apply link and published terms — not because a welcome rate is a typical rate.
Compare cards on credit cards and deposits on savings. Eligible deposits are covered by CDIC coverage under OSFI and the FCAC. This is an editorial review, not advice and not a promise of approval. How we score: methodology.
Pros
A licensed deposit-taker as counterparty, not a broker panel.
Cards and deposits appear as separate live offers, not one blended product.
No branch overhead in the published fee line.
Cons
A promotional savings rate usually steps down; read the ongoing rate on the card.
Service is digital-only — there is no local branch to walk into.
Questions about Tangerine
Is Tangerine a broker?
No. You open the account or card with Tangerine Bank. The contract is with the bank.
Does browsing Buckmatch check my credit?
No. A hard inquiry happens only if you apply with Tangerine, as the issuer describes.
Are deposits protected?
Eligible balances with a licensed deposit-taker are covered by CDIC coverage up to the published limit. The live card is the source for what is offered today.
Products you can apply for
16 products in this market
Credit cards
Tangerine
•••• •••• •••• 1234
Tangerine Money-Back Credit Card
VISA
Tangerine Money-Back Credit Card
8.94.5(1)
from Tangerine
Lowest APR
0.5–2% cashback
Rewards
$0
Annual fee
20.95%
Purchase rate
Consumer
No annual fee
Balance transfer
2% in two selected categories, or three when rewards are deposited into a Tangerine Savings Account; 0.5% on other eligible purchases.
$0 annual fee; up to 5 free authorized users
2% cash back in 2 categories (3rd if rewards go to a Tangerine Savings Account); 0.5% on everything else
Purchase interest 20.95%; cash advances 22.95%
Canadian resident, age of majority, $12,000+ income; no bankruptcy in past 7 years
APR
20.95%
Show more
Foreign fee
2.5
No annual fee. Purchase interest 20.95%; cash advances and balance transfers 22.95%. Penalty rates 25.95% / 27.95% after two missed consecutive minimum payments. Cash-advance fee $3.50 in Canada / $5 outside. Regular BT fee 3% (min $5). Promo 1.95% BT for 6 statement periods on transfers within 30 days of opening (1% promo BT fee; waived in Quebec). Foreign conversion 2.50%. New-card 10% cash-back offer (up to $100) if applied by 30 Sep 2026. Source: tangerine.ca Money-Back Credit Card, 2026-08-27.
2% in two selected categories, or three when rewards are deposited into a Tangerine Savings Account; 0.5% on other eligible purchases.
APR
20.95%
Annual Interest Rates: The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers).
See the information Box at tangerine.ca/creditcardlegal for full details. Rates and fees are subject to change.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
1 Scene+ point per eligible dollar; 1.5 points/$ in three selected accelerator categories, changeable every 90 days.
APR
20.95%
Annual Interest Rates: The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers).
See the information Box at tangerine.ca/creditcardlegal for full details. Rates and fees are subject to change.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Tangerine: No annual fee. Purchase interest 20.95%; cash advances and balance transfers 22.95%. Penalty rates 25.95% / 27.95% after two missed consecutive minimum payments. Cash-advance fee $3.50 in Canada / $5 outside. Regular BT fee 3% (min $5). Promo 1.95% BT for 6 statement periods on transfers within 30 days of opening (1% promo BT fee; waived in Quebec). Foreign conversion 2.50%. New-card 10% cash-back offer (up to $100) if applied by 30 Sep 2026. Source: tangerine.ca Money-Back Credit Card, 2026-08-27.
Tangerine: Annual Interest Rates: The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers).
See the information Box at tangerine.ca/creditcardlegal for full details. Rates and fees are subject to change.
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Tangerine: Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
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