Tangerine Money Back Credit Card vs WestJet RBC Mastercard

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

Tangerine Money Back Credit Card

Tangerine Money Back Credit Card

Annual Fee: $0
Your Monthly Rewards: $0.00
VS
WestJet RBC Mastercard

WestJet RBC Mastercard

Annual Fee: $39
Your Monthly Rewards: $0.00
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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.

Tangerine Money Back Credit Card
Comparison
WestJet RBC Mastercard
$0
Rewards
Annual rewards estimate
$0
2.2/5
Perks
Travel benefits and extras
1.9/5
5/5
Fees
How competitive the fees are
2.8/5
3/5
Approval
How easy it is to get approved
2.5/5
0.7/5
Insurance
Insurance coverage and benefits
2.4/5
4.8/5
Acceptance
Where you can use the card
4.8/5
2.5/5
Interest rates
How competitive the interest rates are
2.2/5

Details and Eligibility

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

Tangerine Money Back Credit Card
Details
WestJet RBC Mastercard
Mastercard
Card type
Mastercard
Tangerine
Issuer
RBC
660
Min credit score
760
$12,000
Personal income
$0
$0
Household income
$0

Rewards

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

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

When you spend using the WestJet RBC Mastercard you will earn points called westjet.

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

Annual rewards by spend category

Tangerine Money Back Credit Card
Rewards
WestJet RBC Mastercard
$48
Gas
$24
$84
Bills
$42
$6
Pharmacy
$6
$120
Groceries
$60
$24
Restaurants
$24
$12
Specific Stores
$18
$12
Travel
$12
$60
Other
$60

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

Raw reward rates

Tangerine Money Back Credit Card
Reward structure
WestJet RBC Mastercard
2%
Gas
1%
2%
Bills
1%
1%
Pharmacy
1%
2%
Groceries
1%
1%
Restaurants
1%
1%
Specific Stores
1.50%
1%
Travel
1%
1%
Other
1%

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

Rewards earn rate (converted to %)

Tangerine Money Back Credit Card
Rewards earn rate
WestJet RBC Mastercard
2.0%
Gas
1.0%
2.0%
Bills
1.0%
1.0%
Pharmacy
1.0%
2.0%
Groceries
1.0%
1.0%
Restaurants
1.0%
1.0%
Specific Stores
1.5%
1.0%
Travel
1.0%
1.0%
Other
1.0%

Fees

When it comes to fees, the Tangerine Money Back Credit Card is better than the WestJet RBC Mastercard.

The Tangerine Money Back Credit Card charges an annual fee of $0, which is $39 less than the $39 annual fee for the WestJet RBC Mastercard. So, if annual fees are important to you, then the Tangerine Money Back Credit Card is the better choice.

Tangerine Money Back Credit Card
Fees
WestJet RBC Mastercard
$0
Annual fee
$39
$0
Extra card
$19
2.5%
Foreign exchange fee
2.5%

Perks

Tangerine Money Back Credit Card
Perks
WestJet RBC Mastercard
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 Tangerine Money Back Credit Card nor WestJet RBC Mastercard 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

The Tangerine Money Back Credit Card has better interest rates overall than the WestJet RBC Mastercard.

The Tangerine Money Back Credit Card charges 20.95 on your credit balance for purchases, which is different from the interest rate on the WestJet RBC Mastercard.

It's worth noting that the Tangerine Money Back Credit Card has an interest rate of 22.95 on any balance you transfer to this card from another credit card. That rate is lower than the 22.99 that is charged on the WestJet RBC Mastercard. If you expect to transfer a balance to this card then the Tangerine Money Back Credit Card might save you a lot of money.

Tangerine Money Back Credit Card
Interest Rates
WestJet RBC Mastercard
20.95%
Purchases
20.99%
22.95%
Cash advance
22.99%
22.95%
Balance transfer
22.99%

Insurance

The WestJet RBC Mastercard gives you more insurance than the Tangerine Money Back Credit Card.

The WestJet RBC Mastercard includes 6 types of insurance, whereas the Tangerine Money Back Credit Card 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 WestJet RBC Mastercard is the better choice.

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