American Express EssentialTM Credit Card vs Tangerine Money-Back World Mastercard
| American Express EssentialTM Credit Card | Tangerine Money-Back World Mastercard | |
|---|---|---|
| Issuer | American Express | Tangerine |
| Network | American Express | Mastercard World |
| Annual fee | No fee | No fee |
| Purchase APR | 12.99% | 20.95% |
| Cash advance APR | 12.99% | 22.95% |
| FX fee | — | — |
| Welcome (est. value) | — | See offer |
| Top earn rate | — | 2% Up to 3 categories of your choice (with a linked savings account) |
| Lounge visits | — | — |
| Min. income | — | $50,000 |