A Rewards Card That Adapts to You

Traditional rewards credit cards come with a catch: your spending has to fit neatly into their categories in order to get the perks you want.

Dining. Hotels. Airfare. Yawn.

The categories are predefined and generic — not aligned with how you actually use your card.

The Tangerine® Rewards World Elite®* Mastercard®* puts you back in the driver’s seat by letting you customize the bonus point categories as your spending changes.

The problem with "default" rewards

If you’ve ever looked at your credit card statement and thought, “Why don’t I have more points saved up?” you’re not alone.

Many traditional rewards cards:

That mismatch adds up to missed value over time.

But with the Tangerine® Rewards World Elite®* Mastercard®*, you have the chance to earn 1.5 Scene+ Points per dollar in THREE accelerator categories of your choosing (and 1 point per dollar on everything else).What’s more, you can change those selections every three months so that your rewards adapt to your spending habits.

And unlike some rewards cards, there’s no cap on how much you can earn in your selected categories — so your rewards can grow alongside your spending.

Choose from categories like:

A card that adapts to how you actually spend

Unlike many traditional rewards cards, the Tangerine® Rewards World Elite®* Mastercard®* lets you choose your own reward categories — so you can earn more Scene+ points on your most common purchases.

Depending on how you set it up, that could mean prioritizing:

• Groceries, gas and home improvement in the spring and summer

• E-games, restaurants and gym memberships in the fall

• Recurring bills, entertainment and public transit in the winter

With these mix-and-match categories, your credit card works with your lifestyle, not the other way around.

And that focus on flexibility isn’t limited to the card itself. As a Tangerine® Rewards World Elite®* Mastercard®* cardholder, you’ll get exclusive access to Benefinder, a tool that makes it easy to manage your rewards and offers in one place.

A new feature in Tangerine’s mobile app, Benefinder can help you monitor your points balance, find offers from partners like Scene+, Mastercard, and Shell, and access all of your premium benefits, like insurance coverage and lounge passes.

🤝 Together, the Tangerine® Rewards World Elite®* Mastercard®* and Benefinder give you greater control over how you manage and optimize your spending.

Tangerine® Rewards World Elite®* Mastercard®*

4.2

NerdWallet rating

Annual fee$120

Interest rates

20.95% / 22.95%

Intro interest rate

1.95% intro interest for 6 months on balance transfers

Intro offer

Up to $600 in value

Recommended credit scoreN/A

APPLY NOW

on Tangerine's website

Rewards breakdown

1.5x

Points on up to 3 Accelerator Categories (groceries, dining, entertainment, travel, fuel and so much more) you choose to match your spending habits.

1x

Point per $1 spent on everything else.

NerdWallet's take

The Tangerine World Elite Mastercard is best described as a “semi-luxury” addition to Tangerine’s reward card line-up. In exchange for a modest $120 fee, cardholders get access to lounge passes, travel insurance, gas discounts and a new way to earn Scene+ points — though the earn rates won’t blow your hair back. Scene+ members who fly often enough to make use of the card’s travel perks.

Pros

• 4 free airport lounge passes are worth more than the annual fee.
• An elevated earn rate applies to three spending categories of your choice.
• Broad selection of insurance coverage.

Cons

• Elevated earn rate is lower compared to Tangerine cash-back cards.
• Minimum income requirement is $80,000/$150,000 (personal/household).
• No travel perks besides lounge passes and insurance.

Card details

• Accelerate with up to $600* in value. Earn a 30,000 Scene+ Points Welcome Bonus with the Tangerine Rewards World Elite Mastercard. Collect and redeem Scene+ Points on what matters to you, enjoy premium benefits, fuel savings and so much more.
• Apply today and start earning up to $600 in value from Day 1, including: ($300 value) 30,000 Scene+ points. Spend $3,000 on what you need in the first 3 months to earn a Welcome Bonus. ($100 value)10,000 Scene+ points. Get an Annual Lifestyle Credit by spending $30,000 in a year. ($200 value) 4 complimentary lounge passes annually. Gain airport lounge access with Dragonpasses when travelling.
• Choose up to 3 Accelerator Categories to earn 1.5x Scene+ points and switch them every 90 days to match your spending habits.
• Choose to redeem points for groceries, dining, entertainment, travel, fuel and so much more.
• Plus, get 1 Scene+ point per $1 spent on everything else.
• Transfer and save - During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply. Conditions apply.
• Earn & redeem Scene+ Points at Shell too. Get up to 10¢/L in value2 with your linked Tangerine Rewards World Elite Mastercard.
• Insurance Coverage: Comprehensive Travel Insurance Coverage, Car Rental Collision Coverage, Travel Medical Insurance for clients under 65, Mobile Device Insurance.
• Protection You Can Count On: Trip interruption/cancellation, flight delay, baggage delay, lost/stolen baggage; Purchase Assurance and Extended Warranty Safeguard your purchases and extend manufacturer warranties on eligible items; Event ticket protection.
• Purchases: 20.95% & Cash Advances: 22.95% (includes Balance Transfers after the Promotional Rate Period has ended)
• *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.

What this looks like in real life

Here’s how the flexibility of a Tangerine® Rewards World Elite®* Mastercard®* can play out for different lifestyles:

🚘 The hungry commuter

Let’s say a big portion of your monthly budget goes to feeding and shuttling your loved ones. Choosing the gas, groceries and public transportation & parking categories helps you earn 1.5x Scene+ points on essential spending.

🧾 The auto-payment addict

Streaming services, utilities, and recurring bills account for a big share of many Canadians’ monthly expenses. Aligning your 1.5x bonus points with those categories helps capture value you might otherwise miss.

💃 The social spender

Do you live for adventure and love experiencing new things with your best friends at your side? Picking hotels, restaurants, and entertainment as your bonus categories will maximize your rewards while minimizing FOMO.

Turning everyday spending into usable rewards

Rewards only matter if you can actually use them.

With the Tangerine® Rewards World Elite®* Mastercard®*, you’ll earn Scene+ points, which can be redeemed for things like:

If you're thinking, “big deal, lots of cards earn Scene+ points," you’re not wrong.

Many cards earn Scene+ points — but few give you this level of control over how you earn them.

The Tangerine® Rewards World Elite®* Mastercard®* earns more in the merchant categories you actually use, making it easier to turn those points into something meaningful — whether that’s offsetting everyday costs or contributing toward a larger purchase.

Dollars and points breakdown

Let’s say you spend:

If you select those as your three accelerator categories, you’d earn 1.5 Scene+ points per dollar on $1,100 in monthly spending.

Over a year, that adds up to 19,800 Scene+ points from those categories alone. Those points could be worth nearly $200 when put towards free movie tickets, travel bookings, or purchases at the grocery store. And that doesn’t include your welcome bonus or what you might earn through additional spending.

That’s just one example where the annual benefits allow you to recoup the entire $120 annual fee, and then some.

Getting started (and making the most of it)

If you’re shopping around for a rewards card, the Tangerine® Rewards World Elite®* Mastercard®* also includes a welcome offer for new cardholders that can help accelerate your rewards.

Sign up today and you can earn up to $600 in value, including:

But that’s not all…

The Tangerine® Rewards World Elite®* Mastercard®* also comes with premium perks that aren’t always offered by other cards in the Tangerine lineup, such as:

Benefits like this can cost hundreds of dollars on their own; that’s value that can help offset the card’s $120 annual fee.

4.2/5

4.2

NerdWallet rating

Tangerine® Rewards World Elite®* Mastercard®*

Annual fee$120

Interest rates20.95% / 22.95%

Intro interest rate1.95% intro interest for 6 months on balance transfers

APPLY NOW

on Tangerine's website

View details

Rewards breakdown

1.5x

Points on up to 3 Accelerator Categories (groceries, dining, entertainment, travel, fuel and so much more) you choose to match your spending habits.

1x

Point per $1 spent on everything else.

NerdWallet's take

The Tangerine World Elite Mastercard is best described as a “semi-luxury” addition to Tangerine’s reward card line-up. In exchange for a modest $120 fee, cardholders get access to lounge passes, travel insurance, gas discounts and a new way to earn Scene+ points — though the earn rates won’t blow your hair back. Scene+ members who fly often enough to make use of the card’s travel perks.

Pros

• 4 free airport lounge passes are worth more than the annual fee.
• An elevated earn rate applies to three spending categories of your choice.
• Broad selection of insurance coverage.

Cons

• Elevated earn rate is lower compared to Tangerine cash-back cards.
• Minimum income requirement is $80,000/$150,000 (personal/household).
• No travel perks besides lounge passes and insurance.

Card details

• Accelerate with up to $600* in value. Earn a 30,000 Scene+ Points Welcome Bonus with the Tangerine Rewards World Elite Mastercard. Collect and redeem Scene+ Points on what matters to you, enjoy premium benefits, fuel savings and so much more.
• Apply today and start earning up to $600 in value from Day 1, including: ($300 value) 30,000 Scene+ points. Spend $3,000 on what you need in the first 3 months to earn a Welcome Bonus. ($100 value)10,000 Scene+ points. Get an Annual Lifestyle Credit by spending $30,000 in a year. ($200 value) 4 complimentary lounge passes annually. Gain airport lounge access with Dragonpasses when travelling.
• Choose up to 3 Accelerator Categories to earn 1.5x Scene+ points and switch them every 90 days to match your spending habits.
• Choose to redeem points for groceries, dining, entertainment, travel, fuel and so much more.
• Plus, get 1 Scene+ point per $1 spent on everything else.
• Transfer and save - During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply. Conditions apply.
• Earn & redeem Scene+ Points at Shell too. Get up to 10¢/L in value2 with your linked Tangerine Rewards World Elite Mastercard.
• Insurance Coverage: Comprehensive Travel Insurance Coverage, Car Rental Collision Coverage, Travel Medical Insurance for clients under 65, Mobile Device Insurance.
• Protection You Can Count On: Trip interruption/cancellation, flight delay, baggage delay, lost/stolen baggage; Purchase Assurance and Extended Warranty Safeguard your purchases and extend manufacturer warranties on eligible items; Event ticket protection.
• Purchases: 20.95% & Cash Advances: 22.95% (includes Balance Transfers after the Promotional Rate Period has ended)
• *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.

NerdWallet's bottom line on the Tangerine® Rewards World Elite®* Mastercard®*

As with any card, the long-term value comes from:

Remember: the best rewards card isn’t necessarily the one with the biggest intro offer or the highest headline earn rate.

It’s the one that fits your life closely enough that you don’t have to think about earning points — it just happens naturally.

For people who don’t love rigid redemption options — or who want more control over how they earn rewards — the Tangerine® Rewards World Elite®* Mastercard®*offers a flexible way forward.