Pros & Cons
Pros
- +Welcome Bonus: Up to 50,000 points
- +Airport lounge access
- +Purchase protection included
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
If you are looking for a credit card that rewards generously from the start, the Tangerine® Rewards World Elite Mastercard®* is for you.
New cardholders can get up to $1,220 in value in the first year*, plus fuel savings at participating Shell stations. This value includes:
- 50,000 Scene+ points ($500 value) when you spend $5,000 in Net Purchases within the first 3 months*
- 10,000 Scene+ points ($100 value) with the Annual Spend Reward when you spend $30,000 in Net Purchases in a year*
- $291 in airport lounge value each year: complimentary DragonPass membership through Mastercard Travel Pass, with 4 complimentary lounge visits per year*
- About $330 in points earned in the first year: an estimated 33,000 Scene+ points on $30,000 in annual purchases, including $6,000 in accelerated categories*
Apply by January 31, 2027 to take advantage of this offer.
For earning, get 1.5 Scene+ points per dollar in 3 accelerated earning categories of your choice. Choose from 13 categories — groceries, restaurants, gas, drug stores, recurring bill payments, fitness and sports clubs, foreign currency spend and more — and switch them every 90 days to match your needs*. On all your other purchases, you earn 1 Scene+ point per dollar spent, with no earning cap*.
You can earn and redeem your Scene+ points with partners such as Scene+ Travel powered by Expedia, Shell, Home Hardware, Rakuten, Cineplex and Empire Company Limited’s family of brands, including Sobeys, IGA, Safeway, Foodland, FreshCo and Voilà.
The card also includes travel insurance, mobile device insurance and Event Ticket Protection*, as well as exclusive access to The Mastercard Collection*.
Finally, for the first 30 days, transfer your balances and enjoy a promotional rate of only 1.95% for 6 months (1% balance transfer fee)*. Your purchases are also protected by Purchase Assurance and Extended Warranty*, up to $60,000 lifetime.
Save on fuel with Shell
Link your card to Shell Go+ in the Tangerine mobile app or on the Tangerine website to get up to 10¢/L in value at participating Shell stations with a linked Tangerine Rewards World Elite Mastercard:
- Instant savings of 3¢ per litre on all grades of Shell fuel.
- Save an additional 4¢ per litre when purchasing Shell V-Power®.
- Earn up to 3¢ per litre in Scene+ points value when purchasing Shell V-Power® fuel.
Rewards
All Spending
1x
Scene+ pts per dollar
Groceries
1.5x
Scene+ pts per dollar
Gas
1.5x
Scene+ pts per dollar
Recurring
1.5x
Scene+ pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
36,900
Scene+/yr
Estimated Value
$369
After Fees
+$249
1st Year Value
$749
incl. welcome bonus
Annual rewards breakdown
- Earn 50,000 Scene+ after $5,000 in purchases within the first 3 months
Perks & Benefits
Airport lounge access
Accepted at Costco
Included
Additional Benefits
Shell fuel benefit: up to 10¢ per litre in value at Shell stations.
Travel Insurance
Travel medical (under 55)
Included
Travel medical (55-64)
Included
Trip Cancellation
Up to $2,000
Trip Interruption
Included
Delayed Baggage
Included
Lost Baggage
Included
Flight Delay
Included
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Included
Auto Rental
Included
Fees and interest rates
- Annual Fee$120
- Additional card fee$30
- Foreign currency conversion fee2.5%
- Purchase Rate20.95%
- Balance transfer rate22.95%
- Cash advance rate22.95%
- Balance Transfer Promo1.95%
Intro period: 6 months · Transfer fee: 1%
Eligibility
Personal Income
$80,000
Household Income
$150,000
Terms & Conditions
Card Features
Get up to $1,220* in value, plus fuel savings with participating Shell stations, in your first year.
Earn a 50,000 Scene+® points Welcome Bonus with the Tangerine® Rewards World Elite Mastercard®*. Apply by January 31, 2027 and start earning up to $1,220 in value* in your first year, including:
- $500 value — 50,000 Scene+ points: Spend $5,000 in Net Purchases in the first 3 months to earn the Welcome Bonus.*
- $100 value — 10,000 Scene+ points: Get the Annual Spend Reward by spending $30,000 in Net Purchases in a year.*
- $291 value — airport lounge access: Complimentary DragonPass membership through Mastercard Travel Pass, with 4 complimentary lounge visits annually.*
- $330 value — first-year points earned: Estimated 33,000 Scene+ points on $30,000 in annual Net Purchases, including $6,000 in 1.5x accelerator categories and $24,000 in all other categories.*
Earn 1.5 Scene+ points per $1 in 3 Accelerator Categories. Choose from 13 Categories and you can even switch them every 90 days.* Plus, get 1 Scene+ point per $1 spent on everything else, with no earning limit.*
Total of 13 Reward Categories:
- Grocery
- Restaurants
- Gas
- Public Transportation and Parking
- Entertainment
- Furniture
- Home Improvement
- Hotel-Motel
- Drug Store
- Recurring Bill Payments
- E-Games
- Fitness and Sports Clubs
- Foreign Currency Spend
Save on fuel with Shell
Link your card to Shell Go+ in the Tangerine mobile app or on the Tangerine website to unlock up to 10¢/L in value at participating Shell stations: instant savings of 3¢/L on any grade of Shell fuel, an additional 4¢/L instant savings on Shell V-Power® fuel, and up to 3¢/L in Scene+ points value on Shell V-Power® fuel.*
Premium protection and perks
Travel insurance, mobile device insurance and Event Ticket Protection*, plus exclusive access to The Mastercard Collection.*
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.
Spend confidently with the Tangerine® Rewards World Elite Mastercard®*. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty* of up to $60,000 (lifetime maximum).
Legal
*Conditions apply.
*Savings and reward potential in first 12 months includes current welcome offer value, annual point bonus, first year point earn potential and airport lounge savings as of September 25, 2026: $500 in Scene+ points (50,000 bonus Scene+ points) for new clients who spend $5,000 in Net Purchases within the first 3 months; $100 in Scene+ points (10,000 bonus Scene+ points) when you make at least $30,000 in Net Purchases annually on your Account (12 months); CAD$291/USD$210 worth of lounge access annually (membership valued at USD$99/CAD$138 per year and 3 incremental passes valued at USD$37/CAD$51 per pass; currency conversion as of July 31, 2026); estimated first year point earn potential of $330 based on earning 33,000 Scene+ points from $30,000 annual Net Purchases including $6,000 in 1.5x accelerator categories and $24,000 in all other categories. These are estimates provided for illustrative purposes only. Potential First Year Value = up to $1,221 (rounded down to $1,220). The 50,000 Bonus Scene+ Points Offer is only available to new Tangerine Rewards World Elite Mastercard account holders who apply by January 31, 2027. See tangerine.ca/creditcardlegal for full details. Rates and fees are subject to change.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Sparks and Bloom may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Tangerine. All trademarks are property of their respective owners.
