Tangerine cash back is earned automatically on every purchase. All purchases will earn you at least 0.5%. However, you can choose two spending categories in which you will earn an accelerated cash-back rate of 2%. Your cash-back is paid out every month and can either be put into your Tangerine Savings Account or put towards your credit card balance. If you choose to have the rewards put into your Tangerine Savings Account, you can choose a third spending category in which you can earn 2% cash back once more.