National Bank World Mastercard vs Tangerine Money Back Credit Card

Compare these two credit cards side-by-side to see which one offers better value for your spending habits.

National Bank World Mastercard

National Bank World Mastercard

Annual Fee: $115
Your Monthly Rewards: $0.00
Apply Now
VS
Tangerine Money Back Credit Card

Tangerine Money Back Credit Card

Annual Fee: $0
Your Monthly Rewards: $0.00

Overview

When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.

Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.

National Bank World Mastercard
Comparison
Tangerine Money Back Credit Card
$0
Rewards
Annual rewards estimate
$0
1.3/5
Perks
Travel benefits and extras
2.2/5
1.9/5
Fees
How competitive the fees are
5/5
2.5/5
Approval
How easy it is to get approved
3/5
4.3/5
Insurance
Insurance coverage and benefits
0.7/5
4.8/5
Acceptance
Where you can use the card
4.8/5
2.5/5
Interest rates
How competitive the interest rates are
2.5/5

Details and Eligibility

Compare the basic details and eligibility requirements for each card to see which one you qualify for.

National Bank World Mastercard
Details
Tangerine Money Back Credit Card
Mastercard
Card type
Mastercard
National Bank
Issuer
Tangerine
760
Min credit score
660
$50,000
Personal income
$12,000
$80,000
Household income
$0

Rewards

We estimate that spending $2,000 per month with the National Bank World Mastercard would earn $0 in rewards over the year and with the Tangerine Money Back Credit Card you would earn $0 in rewards.

When you spend using the National Bank World Mastercard you will earn points called National Bank.

When you spend using the Tangerine Money Back Credit Card you will earn points called .

We can also compare the National Bank World Mastercard vs Tangerine Money Back Credit Card based on the amount earned in each spend category:

Annual rewards by spend category

National Bank World Mastercard
Rewards
Tangerine Money Back Credit Card
$30
Gas
$48
$53
Bills
$84
$8
Pharmacy
$6
$75
Groceries
$120
$30
Restaurants
$24
$30
Specific Stores
$12
$15
Travel
$12
$75
Other
$60

First, let's look at the actual reward structure for each card:

Raw reward rates

National Bank World Mastercard
Reward structure
Tangerine Money Back Credit Card
1.25 points
Gas
2%
1.25 points
Bills
2%
1.25 points
Pharmacy
1%
1.25 points
Groceries
2%
1.25 points
Restaurants
1%
2.5 points
Specific Stores
1%
1.25 points
Travel
1%
1.25 points
Other
1%

We can also compare the National Bank World Mastercard vs Tangerine Money Back Credit Card based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.

Rewards earn rate (converted to %)

National Bank World Mastercard
Rewards earn rate
Tangerine Money Back Credit Card
1.3%
Gas
2.0%
1.3%
Bills
2.0%
1.3%
Pharmacy
1.0%
1.3%
Groceries
2.0%
1.3%
Restaurants
1.0%
2.5%
Specific Stores
1.0%
1.3%
Travel
1.0%
1.3%
Other
1.0%

Fees

When it comes to fees, the Tangerine Money Back Credit Card is better than the National Bank World Mastercard.

The Tangerine Money Back Credit Card charges an annual fee of $0, which is $115 less than the $115 annual fee for the National Bank World Mastercard. So, if annual fees are important to you, then the Tangerine Money Back Credit Card is the better choice.

National Bank World Mastercard
Fees
Tangerine Money Back Credit Card
$115
Annual fee
$0
$35
Extra card
$0
2.5%
Foreign exchange fee
2.5%

Perks

National Bank World Mastercard
Perks
Tangerine Money Back Credit Card
No
Lounge Access
No
No
Priority Boarding
No
No
Priority Security
No
No
Checked Bags
No
No
Concierge Service
No
No
Elite Status Acceleration
No

Neither National Bank World Mastercard nor Tangerine Money Back Credit Card provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.

Concierge Service

Neither card offers concierge service.

Elite Status Acceleration

Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.

Interest Rates

Both cards have similar interest rates.

The National Bank World Mastercard charges 20.99 on your credit balance for purchases, which is different from the interest rate on the Tangerine Money Back Credit Card.

It's worth noting that the National Bank World Mastercard has an interest rate of 22.49 on any balance you transfer to this card from another credit card. That rate is lower than the 22.95 that is charged on the Tangerine Money Back Credit Card. If you expect to transfer a balance to this card then the National Bank World Mastercard might save you a lot of money.

National Bank World Mastercard
Interest Rates
Tangerine Money Back Credit Card
20.99%
Purchases
20.95%
22.49%
Cash advance
22.95%
22.49%
Balance transfer
22.95%

Insurance

The National Bank World Mastercard gives you more insurance than the Tangerine Money Back Credit Card.

The Tangerine Money Back Credit Card includes 6 types of insurance, whereas the National Bank World Mastercard only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the Tangerine Money Back Credit Card is the better choice.

National Bank World Mastercard
Insurance
Tangerine Money Back Credit Card
N/A
Emergency Medical
N/A
N/A
Extended Warranty
N/A
N/A
Mobile Device
N/A
N/A
Purchase Protection
N/A
N/A
Car Rental Theft/Damage
N/A
N/A
Travel Accident
N/A

Our Recommendation

Enter your monthly spending above to see personalized recommendations based on your actual usage patterns.

Related Comparisons

The National Bank World Mastercard is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.

The Tangerine Money Back Credit Card is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.