{"id":183088,"date":"2021-12-20T06:11:00","date_gmt":"2021-12-20T11:11:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=183088"},"modified":"2026-05-09T08:34:58","modified_gmt":"2026-05-09T08:34:58","slug":"comparison-credit-card-bmo-rebates-tangerine-cashback","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-credit-card-bmo-rebates-tangerine-cashback\/","title":{"rendered":"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>*"},"content":{"rendered":"\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/bmo\/\">BMO<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/tangerine\/\">Tangerine<\/a> each offer a similar <strong><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/no-fee\/\">no-fee<\/a> <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/mastercard\/\">Mastercard<\/a> credit card<\/strong>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>At first glance, they may seem to be identical, especially because of their name! But which one is the most advantageous?<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22674,22687\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Let&#8217;s look at each of their features in detail, to distinguish these two credit cards.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome bonus<\/h2>\n\n\n\n\n\n<p>The welcome bonus offered by each of these credit cards varies according to promotions. However, there are differences to be aware of between the two credit cards.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/bmo-cb-no-fee-mastercard-rgb-eng-for-online.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Bmo Cb No Fee Mastercard Rgb Fre For Online\" class=\"wp-image-103706\"\/><\/figure>\n<\/div>\n\n\n<p>When you sign up for a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a>, you&#8217;ll receive <b>5% cash back for the first three months <\/b>.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>The 5% cash back applies to eligible purchases up to $2,500:\n\n<ul>\n\t<li>5% on up to $500 in eligible grocery purchases = <strong>$25<\/strong><\/li>\n\n\n\n<li>5% for up to $500 in eligible recurring bill payments = <strong>$25<\/strong><\/li>\n\n\n\n<li>and 5% on up to $1,500 of any other qualifying purchase during the Welcome Offer period = <strong>$75<\/strong><\/li>\n<\/ul><\/div>\n\n\n\n<p><\/li>\n<\/ul><\/p>\n\n\n\n<p>So, for this offer, the maximum welcome bonus is <strong>$125.<\/strong><\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/04\/tangerine-cash-back-en.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Tangerine Cash Back En\" class=\"wp-image-140091\"\/><\/figure>\n<\/div>\n\n\n<p>By applying for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card <\/a>you get an additional 10% cash back on up to $1000 in purchases. This is in addition to the basic cash back earning rate (between 0.5% and 2%).<\/p>\n\n\n\n<p>Therefore, the maximum cash back for the Welcome Bonus is <strong>$100.<\/strong><\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-tangerine-money-back-credit-card\">Advantage: Tangerine Money-Back Credit Card<\/h5>\n\n\n\n<p>Thanks to its clarity, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> has an advantage. The <a target=\"_blank\" href=\"\/?p=78207\">promotional offer<\/a> is easy to understand and less restrictive.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/bmo-cb-no-fee-mastercard-rgb-eng-for-online.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Bmo Cb No Fee Mastercard Rgb Fre For Online\" class=\"wp-image-103706\"\/><\/figure>\n<\/div>\n\n\n<p>The <a class=\"thirstylink\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a> requires a minimum income of $15,000.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/04\/tangerine-cash-back-en.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Tangerine Cash Back En\" class=\"wp-image-140091\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> requires a minimum income of $12,000.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-it-s-a-tie\">Advantage: It&#039;s a tie<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> earns this point. But still, both cards require an almost similar minimum income, with a minimal difference.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cash-back-earning\">Cash Back Earning<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/bmo-cb-no-fee-mastercard-rgb-eng-for-online.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Bmo Cb No Fee Mastercard Rgb Fre For Online\" class=\"wp-image-103706\"\/><\/figure>\n<\/div>\n\n\n<p><a class=\"thirstylink\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a> cash back rates are as follows:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>3% on grocery purchases (up to $500 in purchases per statement)<\/li>\n\n\n\n<li>1% on recurring bill payments (up to $500 in purchases per statement)<\/li>\n\n\n\n<li>0.5% on all other purchases (and once you&#8217;ve passed $500 in monthly category purchases)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/04\/tangerine-cash-back-en.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Tangerine Cash Back En\" class=\"wp-image-140091\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> has two cash back rates:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>0,5&nbsp;%<\/li>\n\n\n\n<li>2&nbsp;%<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<p><strong>Tangerine<\/strong> offers a choice of <strong>two categories for the 2% cash back<\/strong>. This is beneficial for your highest expenses of your budget. Moreover, you can customize your cash back between the following 10 categories:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Gas<\/td><td>Groceries<\/td><\/tr><tr><td>Recurring bills payments<\/td><td>Furniture<\/td><\/tr><tr><td>Drugstores<\/td><td>Hotel and motel<\/td><\/tr><tr><td>Home Improvement<\/td><td>Entertainment<\/td><\/tr><tr><td>Restaurant<\/td><td>Public transportation and parking<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>In addition, if you deposit your cash back from this <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> into a <a href=\"https:\/\/www.tangerine.ca\/fr\/products\/saving\/savings-accounts\/savings-account\/\" target=\"_blank\" rel=\"noopener\">Tangerine Savings Account<\/a>, the financial institution will reward you.<\/p>\n\n\n\n<p>You get a <strong>third category to choose from<\/strong> to receive a 2% cash back.<\/p>\n\n\n\n<p><strong>Cash back is unlimited<\/strong>, with no maximum purchase per statement.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-tangerine-money-back-credit-card-but\">Advantage: Tangerine Money-Back Credit Card, BUT &#8230;<\/h5>\n\n\n\n<p>For ease of understanding, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a> is excellent. Plus, the 3% cash back rate is great for <strong>groceries<\/strong>, especially for a card with no annual fee!<\/p>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> earned the point with the great flexibility of customizing 2% cash back categories. The categories can be changed at will (although the change will not take effect until the next statement).<\/p>\n\n\n\n<p>It is important to calculate whether a large part of your budget is spent on renovations or gas, for example. In this case, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back<\/a> Credit Card is the most appropriate, as the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO CashBack Mastercard<sup>&reg;<\/sup>*<\/a> only offers 0.5% in these categories.<\/p>\n\n\n\n<p>Both cards allow you to earn <strong>unlimited<\/strong> cash back.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cash-back-terms-and-conditions\">Cash Back Terms and Conditions<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/bmo-cb-no-fee-mastercard-rgb-eng-for-online.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Bmo Cb No Fee Mastercard Rgb Fre For Online\" class=\"wp-image-103706\"\/><\/figure>\n<\/div>\n\n\n<p>The rebate deposit depends on the option and frequency chosen by the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a> cardholder. It can be&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>by direct deposit to a BMO Savings Account, BMO Chequing Account, or BMO InvestorLine Account<\/li>\n\n\n\n<li>as a credit on your BMO credit card statement<\/li>\n<\/ul><\/div>\n\n\n\n<p>Redeeming cash back can be done <strong>anytime<\/strong>, as soon as you reach one dollar. In addition, an automatic deposit option can be set up whenever you have a minimum of $25.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/04\/tangerine-cash-back-en.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Tangerine Cash Back En\" class=\"wp-image-140091\"\/><\/figure>\n<\/div>\n\n\n<p>The cash back of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> is deposited <strong>monthly<\/strong>. The credit cardholder chooses the method of deposit either&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>in the savings account<\/li>\n\n\n\n<li>in the credit card account<\/li>\n<\/ul><\/div>\n\n\n\n<p>The additional 15% cash back offer will be credited to the account one to two statement cycles after the 60-day promotional period.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-who-wins-bmo-cashback-card\">Who wins&nbsp;: BMO CashBack Card<\/h5>\n\n\n\n<p>Because of its flexibility and the fact that <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-redeem-cash-back-bmo-credit-card-balance\/\">points can be redeemed<\/a> <strong>at any time<\/strong>, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a> has a clear advantage.<\/p>\n\n\n\n<p>Note that the cash back can be deposited into a BMO InvestorLine account, allowing you to<a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/invest-reward-points\/\" target=\"_blank\" rel=\"noopener\">invest using your credit card<\/a>.<\/p>\n\n\n\n<p>Same thing for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card <\/a>but indirectly. A cash back deposit into the <a href=\"https:\/\/www.tangerine.ca\/fr\/products\/saving\/savings-accounts\/savings-account\/\" target=\"_blank\" rel=\"noopener\">Tangerine bank account<\/a> allows for transfer to a TFSA, RRSP or non-registered account.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/bmo-cb-no-fee-mastercard-rgb-eng-for-online.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Bmo Cb No Fee Mastercard Rgb Fre For Online\" class=\"wp-image-103706\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a> offers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Purchase Protection<\/li>\n\n\n\n<li>Extended warranty<\/li>\n<\/ul><\/div>\n\n\n\n<p>These new purchases charged to your card may have been made anywhere in the world. The lifetime maximum is $60,000 for&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Loss, theft or damage to most new insured items for 90 days after the date of purchase<\/li>\n<\/ul><\/div>\n\n\n\n<p>As for the extended warranty&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>It doubles the period of repair services, up to a maximum of one year<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/04\/tangerine-cash-back-en.png\" alt=\"Head-to-Head: BMO CashBack<sup>&reg;<\/sup> Mastercard and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* - Tangerine Cash Back En\" class=\"wp-image-140091\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> offers a:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Purchase Protection<\/li>\n\n\n\n<li>Extended warranty<\/li>\n<\/ul><\/div>\n\n\n\n<p>These new purchases charged to your card may have been made anywhere in the world. The lifetime maximum is $60,000 for&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Loss, theft or damage to most new insured items for 90 days after the date of purchase<\/li>\n<\/ul><\/div>\n\n\n\n<p>As for the extended warranty&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>It doubles the period of repair services, up to a maximum of one year<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-equality\">Equality<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO CashBack Mastercard<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine CashBack Mastercard<sup>&reg;<\/sup>*<\/a> have exactly the same insurance coverage. It&#8217;s a draw!<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>So? Which Card is the winner?<\/p>\n\n\n\n<p>For those who want <strong>simplicity<\/strong>, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> is perfect. It offers the flexibility to choose 2% discount categories and its welcome offer is very easy to understand.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a> has a welcome offer that requires additional calculation. On the other hand, its base discount rate is<strong>one of the best for grocery expenses<\/strong>. In addition, the frequency of the discount can be paid <strong>without waiting for<\/strong> a fixed date.<\/p>\n\n\n\n<p>And even if you currently own one of them, getting the other will diversify your cash back portfolio!<\/p>\n\n\n\n<p>Here is a strategy for one month with a basic accumulation:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Use your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/bmo-cashback-mastercard\/\">BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>*<\/a> for groceries, up to a maximum purchase of $500 per statement, to earn 3% cash back.<\/li>\n\n\n\n<li>For $501 or more in grocery purchases and for the remainder of that month, use the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> with the 2% category<\/li>\n\n\n\n<li>Determine your second category of 2% of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/tangerine-money-back-credit-card\/\">Tangerine Money-Back Credit Card<\/a> based on your second largest budget item and use it for that expense<\/li>\n<\/ul><\/div>\n\n\n\n<p>Finally, you should know that you can use either of these Mastercard credit cards at Costco, but you&#8217;ll only get 0.5% cash back. There are <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/best-credit-cards-for-costco\/\">better credit cards for Costco here<\/a>.<\/p>\n\n\n\n<p>If you&#8217;ve ever had one of these two cards, what are your comments? Come and indicate them in the Facebook group (link at the bottom of the article).<\/p>\n\n\n\n<p>To see the other cards, check out our ranking of the best cash back credit card offers in Canada.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22674,22687\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"476249,84254\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207248\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n    <div class=\"post-preview-thumbnail\">\n\t    <div class=\"shimmer shimmer-dark shimmer-image\"><\/div>\n    <\/div>\n\n    <div class=\"post-preview-content shimmer-post-preview-content\">\n        <div class=\"simmer-bar-group\">\n            <div class=\"shimmer shimmer-dark shimmer-bar\"><\/div>\n            <div class=\"shimmer shimmer-dark shimmer-bar\"><\/div>\n            <div class=\"shimmer shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n\n    <\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-comparison-credit-card-bmo-rebates-tangerine-cashback\">Frequently Asked Questions about the BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> and Tangerine Money-Back Credit Card<sup>&reg;<\/sup>*<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_has_the_better_welcome_bonus_the_bmo_cashback_mastercard_or_the_tangerine_money-back_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card has the better welcome bonus: the BMO CashBack Mastercard or the Tangerine Money-Back Card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> offers 5% cash back on the first $2,500 spent in the first 3 months, capping the welcome bonus at $125. The Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* offers 10% cash back on up to $1,000 in purchases during its promotional period, capping at $100. BMO\u2019s offer rewards higher monthly spenders and grocery-heavy households, while Tangerine\u2019s 10% rate gives a quicker but smaller absolute bonus. Both cards are fee-free, so the better choice comes down to whether your typical 3-month spend exceeds $2,500.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_the_ongoing_earning_rates_compare_between_bmo_cashback_and_tangerine_money-back_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do the ongoing earning rates compare between BMO CashBack and Tangerine Money-Back?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> earns 3% on groceries (up to $500 per statement), 1% on recurring bills (up to $500 per statement) and 0.5% on everything else \u2013 fixed categories with monthly caps that limit annual cash back to about $260. The Tangerine Money-Back Card<sup>&reg;<\/sup>* lets you choose 2 of 10 categories at 2% (gas, groceries, restaurants, entertainment, etc.), plus a 3rd 2% category if you deposit cash back into a Tangerine Savings Account, all uncapped. Tangerine wins on flexibility; BMO wins on grocery-only households.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_is_better_for_costco_shoppers_bmo_cashback_or_tangerine_money-back_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card is better for Costco shoppers: BMO CashBack or Tangerine Money-Back?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Both cards run on the Mastercard network, so both are accepted at Costco \u2013 but only the Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* lets you select Groceries as a 2% category, and Costco purchases code as warehouse club rather than groceries, so neither card pays the bonus rate at Costco itself. Walmart Supercentres do code as grocery, so both cards earn their grocery rate there. For consistent Costco rewards, neither beats the <a target=\"_blank\" class=\"thirstylink\" title=\"CIBC Costco Mastercard\" href=\"\/?p=63432\" rel=\"noindex\">CIBC Costco Mastercard<\/a> with 3% on Costco gas and 1% in-warehouse.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_redeem_cash_back_at_any_time_on_these_no-fee_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I redeem cash back at any time on these no-fee cards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Redemption rules differ. The BMO<sup>&reg;<\/sup> CashBack<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup> lets you redeem any amount of cash back at any time \u2013 even just $1 \u2013 either as a statement credit or as a deposit to a BMO chequing\/savings account or BMO investment account. The Tangerine Money-Back Credit Card<sup>&reg;<\/sup>* automatically deposits cash back monthly, either as a statement credit on the card or directly to a Tangerine Savings Account if you have linked one. Tangerine\u2019s automatic monthly deposits make it easier to build savings passively without remembering to redeem.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s our detailed comparison of the BMO CashBack Mastercard and the Tangerine CashBack Credit Card.<\/p>","protected":false},"author":3,"featured_media":349148,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-183088","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-bmo-en","mc_issuer-tangerine-en","mc_market-all-of-canada","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Head-to-Head: BMO CashBack\u00ae Mastercard and Tangerine Money-Back Credit Card\u00ae* | Milesopedia<\/title>\n<meta name=\"description\" content=\"Here&#039;s our detailed comparison of the BMO CashBack\u00ae Mastercard\u00ae* and the Tangerine CashBack Credit Card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-credit-card-bmo-rebates-tangerine-cashback\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Head-to-Head: BMO CashBack\u00ae Mastercard and Tangerine Money-Back Credit Card\u00ae*\" \/>\n<meta property=\"og:description\" content=\"Here&#039;s our 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