THE CARDHOLDER CHOOSES which categories earn 2%; everything else earns 0.5%. Two categories by default, or three if cash back is redeemed into a Tangerine Savings Account. Two is recorded so the comparison never assumes an account the cardholder may not have. Thirteen categories are selectable: Grocery, Eating Places, Gas, Entertainment, Furniture, Hotels-Motels, Drug Stores, Recurring Bill Payment, Home Improvements, Public Transportation and Parking, Fitness and Sports Clubs, E-Games, and Foreign currency purchases. There is no general Travel category, only Hotels-Motels. One free category change; later changes take effect after a 90-day hold. No cap is published on 2% earning.

Marketing says "10% cash back for 2 months"; the legal text defines it as a 60-day period beginning on the activation date. Must apply by 30 September 2026 and activate within 45 days of approval. The 1% balance transfer fee on the promotional 1.95% transfer is waived for Quebec residents; the standard transfer fee is 3% or $5 minimum.

This is the standard Money-Back Mastercard, NOT the Money-Back World Mastercard. The $1,000 mobile device protection belongs to the World version. No travel medical, trip cancellation, rental car CDW or mobile device coverage on this card. Purchase Assurance and Extended Warranty share a $60,000 lifetime maximum.