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4.5/5
Our editorial rating rationale
- 2% cash back in up to 3 categories of your choice
- 0.5% on everything else
🏆 2026 Award Winner
Best for: Customizable Cash Back
No Annual Fee
Choose 2 categories (or 3 with a Tangerine savings account) to earn 2% unlimited cash back. No annual fee.
2026 Award Winner
This product won Best No-Fee Cash Back Card in the Maple Wallet 2026 Best Of Awards.
See all 2026 award winners →Annual Fee
$0
APR
20.95%
Cash Back
0.5%
Welcome Bonus
Up to $100
Reward Rates by Category
Groceries
2%
Dining
2%
Gas
2%
Welcome Bonus
Earn an extra 10% cash back, up to $100; Promotional balance transfer rate of 1.95%
Key Features
2% cash back in up to 3 categories of your choice
0.5% on everything else
No annual fee
Cash back paid monthly
Promotional balance transfer rate