The world is yours

Congrats on landing your new Tangerine World Mastercard®. There’s a lot to look forward to. But first, let’s get you set up with a few things you should know.

Your Card’s on its way:

Now that you’ve been officially approved, you’ll need an actual Card. And you can expect yours to arrive in about 10 business days.

Steps for activating your new Card:

Step 1

Step 2

For desktop, hit ‘Activate’. For mobile, go to ‘More Actions’ and then hit ‘Activate’.

Step 3

Enter your CVC (the three digits on the back of your card) and your PIN, then hit the ‘Activate’ button.

Spend smart and confidently

No matter what device, we’ve got you covered. Add your Tangerine Client Card and Credit Card to your mobile wallet and use it where contactless payments are accepted.

Add an authorized user

It's easy to add an Authorized User to your Account. Once you’re logged in, click your Credit Card Account and go to ‘Account Details’. Click ‘Manage’ under ‘Authorized Users’.

Remember, as the Primary Cardholder, you’re responsible for paying for the entire balance on your Credit Card Account, including any charges made by Authorized Users.

Download the app

Don’t have our Mobile Banking app³ yet? Download it today, so you can bank easily from anywhere.

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Additional Card features

Free cards for Authorized Users on your Account

Add up to 5 people – one Account, multiple Cards, no extra charge.

Easy online Pause My Card feature–in case you need it

If you ever think you’ve lost or misplaced your Card, there’s no need to panic. With a couple quick clicks, you can temporarily suspend it.

Rental Car Collision/Loss Damage Insurance and Mobile Device Insurance**

Get damage & theft protection for car rental plus up to $1,000 of coverage for your mobile device.

Purchase Assurance and Extended Warranty**

You may receive a lifetime maximum of up to $60,000.

World Mastercard® Benefits⁶

Mastercard® Travel Rewards

While travelling outside Canada, use this Card to unlock cashback offers at participating merchants.

Mastercard® Travel Pass Provided By DragonPass

Exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit.

On-Demand and Subscription Services

Enjoy special benefits and offers from on-demand apps & subscription services.

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Credit cards vs. debit cards: What's the difference?

Knowing how credit cards and debit cards work can impact your purchasing decisions and how you manage your finances. Read on to learn the key differences.

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Picking the right rewards credit card

One way to get the most out of your credit card purchases and add a bit of wiggle room back into your budget is to have a card that offers a rewards program.

General Terms:

Applicants must apply for the Card and must consent to a credit check. Accounts must be in Good Standing in order to receive Money-Back Rewards.
See the Tangerine Money-Back Rewards Program Terms & Conditions for full details.

Balance Transfers are treated as Cash Advances and interest applies from the transaction date that appears on your monthly statement to the date you repay the balance in full. There is no interest-free grace period on Cash Advances or Balance Transfers.

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).

Other Fees and Rates: These fees are charged on the day the transaction occurs (unless otherwise indicated): Cash Advance: $3.50 within Canada, $5 outside of Canada; Balance Transfer: 3% or minimum of $5 (unless reduced or waived) of the amount transferred when it is posted to your Account. Dishonoured Payment: $25; Rush Card: $25; Over-Limit: $25 (maximum one Over-Limit charge per monthly statement period); Past Statement Reprint: $5 per past statement. There is no charge for a reprint of your current monthly statement. Foreign Currency Conversion: When the converted transaction amount gets posted to your Account, we'll add a foreign currency conversion fee of 2.50% to the converted transaction amount.

See your Information Box in the application for full details or visit Tangerine.ca/CreditCardLegal. Rates and fees are subject to change.

Cash Advances (including Balance Transfers) do not earn Tangerine Money-Back Rewards. See the terms and conditions of the Tangerine Money-Back Rewards Program at Tangerine.ca/CreditCardLegal for full details on other items that do not earn Tangerine Money-Back Rewards.

⁵Benefits include:

Rental Car Collision/ Loss Damage Insurance: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.

Mobile Device Insurance: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.

Purchase Assurance and Extended Warranty: For most new purchases made anywhere in the world using your Tangerine World Mastercard®, 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

Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Coverage is subject to eligibility, limitations and exclusions. For details of the coverage, including definitions and benefits, refer to the Certificate of Insurance provided with the card.

See the Credit Card Cardholder Agreement for complete benefits and terms.

⁶Certain terms, conditions and exclusions apply. For full Mastercard World Benefits terms, visit mastercard.ca/world. All Mastercard World Benefits are provided by Mastercard International or its affiliates or other third parties. Tangerine Bank is not responsible for any Mastercard World Benefits.

Mastercard Travel Rewards: For additional terms, visit mtr.mastercardservices.com/en/tnc.

Mastercard® Travel Pass Provided By DragonPass: Offers vary by location. More details are available at Mastercard® Travel Pass or the Mastercard app. For full terms and conditions of use, go to mastercardtravelpass.dragonpass.com/terms-of-use. The Mastercard Airport Experiences offers are made available to you through Mastercard. Tangerine Bank is not responsible for the Mastercard Airport Experiences or any offers made available under those offers. Fees for this benefit are subject to change by Mastercard.

Any of these offers may be changed or cancelled at any time without notice.

³ Some conditions may apply. Service is subject to availability and successful digital verification.

⁴ As of August 2024 from the Google Play Store and App Store.

^® Apple is a registered trademark of Apple Inc.

^™ Android is a trademark of Google Inc.