Top features No annual fee 2% Money-Back Rewards in two 2% categories (like Restaurants or Grocery), 0.5% on other everyday purchases 6 months of 1.95% interest on balances transferred in the first 30 days (19.95% after that) Good to know If you deposit your Money-Back Rewards into a Tangerine Savings Account, you get a 3rd 2% Money-Back Category There’s no cap on the Money-Back Rewards you can earn There is a 1% balance transfer fee with the promotional balance-transfer offer If you’re choosing a new credit card and want to make a great, but simple choice, look for a card with no annual fee and cashback rewards. Any rewards program can be fine, but cashback-style rewards keeps it nice and easy because you don’t have to worry about how, when, and where to convert your rewards points.