Scotia Momentum® Visa Infinite +* CardScotia Momentum® Visa Infinite +* Card•15% cash back on up to $2,000 in purchases + No annual fee in the first year*
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KOHO
KOHO Prepaid Mastercard Extra Plan
KOHO Prepaid Mastercard Extra Plan
KOHOCash Back
Annual fee
$144
Welcome offer
No current welcome offer
Apply Now

on KOHO's website

Features
Issuer
KOHO
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$144/yr
Min. annual income
—
Household income
$0+
Interest rates
Foreign transaction fee
0 %

Issuer terms

Special offer:

  • Enter the code KOHOMILES when applying for your card.
  • Get 3 months’ subscription to the Extra Plan for free (a discount of $18 per month) and $20 cash back

Features:

  • Earn 1.5% cash back on 3 main spending categories (food, bills & services, meals and beverages) plus a minimum 0.25% cash back on all purchases.
  • Accepted at Costco
  • Earn 2.5% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
  • $18 per month billed monthly or $144 per year billed annually ($12 per month)
  • No conversion fees on foreign purchases
  • 1 free international ATM withdrawal per month
  • Credit enhancement for $7/month instead of $10
  • Access all KOHO account features such as Safe, Goals and Rounding Amounts
  • Get access to a cash advance of up to $250 at 0% interest with KOHO Cover
Read full review
Rewards
Rate
Groceries
1.5x
Transit
1.5x
Gas & EV
1.5x
Read full review

Pros

  • Simple and straightforward

Cons

  • No welcome bonus

Special offer:

  • Enter the code KOHOMILES when applying for your card.
  • Get 3 months of Extra Plan for free ($18 off per month) and $20 cash back

The KOHO Prepaid Mastercard with Extra Plan (formerly KOHO Premium Prepaid Mastercard) gives you more cash back:

  • 1.5% on food, drinks, groceries, and transportation
  • 0.25% on all other purchases
  • Up to 5% cash back at selected partner merchants
    • …
Read full review
KOHO Prepaid Mastercard Everything Plan
KOHO Prepaid Mastercard® Everything Plan
KOHOCash Back
Annual fee
$177
Welcome offer
No current welcome offer
Apply Now

on KOHO's website

Features
Issuer
KOHO
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$177/yr
Min. annual income
—
Household income
$0+
Interest rates
Foreign transaction fee
0 %

Issuer terms

Special offer:

  • Enter the code EARNKOHO when applying for your card.
  • Get 2 months of the Everything Plan for free

Features:

  • Earn an extra 2% cashback on eating & drinking, billing & services, and groceries on top of minimum 0.5% cash back on all purchases. Plus, receive up to 50% cash back at selected merchants.
  • Accepted at Costco
  • Earn 3.5% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
  • $22 per month billed monthly or $177 per year billed annually ($14.75 per month)
  • Access the following features, exclusive to the Everything Plan:
    • No FX fees on purchases
    • 1 free international ATM withdrawal per month
    • Credit enhancement for $5/month instead of $10
    • Access all the features of a KOHO account such as Card Security, Goals, and RoundUps.
    • Strengthen your credit with the 6-month Credit Enhancement Program for only $5/month and earn cash back with the KOHO Prepaid Mastercard Complet.
    • Get access to a cash advance of up to $250 at 0% interest with KOHO Cover
Read full review
Rewards
Rate
Gas & EV
2x
Groceries
2x
Transit
2x
Read full review

Pros

  • 2x on groceries

Cons

  • High annual fee ($177)
  • No welcome bonus

Special offer:

  • Enter the code EARNKOHO when applying for your card.
  • Get 2 months of the Everything Plan for free

The KOHO Prepaid Mastercard with Everything Plan gives you more cash back:

  • 2% on food, beverages and bills
  • 0.5% on all other purchases
  • Up to 5% cash back at selected partner merchants
    • …
Read full review
KOHO Prepaid Mastercard Essential Plan
KOHO Prepaid Mastercard® Essential Plan
KOHOCash Back
Annual fee
$48
Our valuation
$20
Milesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
$20 cash back
Apply Now

on KOHO's website

Features
Issuer
KOHO
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$48/yr
Min. annual income
—
Household income
$0+
Interest rates
Foreign transaction fee
1.5 %

Issuer terms

Special offer:

  • Enter the code MILESOPEDIA when you apply for your card
  • Earn a $20 cash bonus when you sign up for a KOHO account with our link and make your first purchase within 30 days of registration

Features:

  • Get 1% cash back on groceries, meals, drinks and transportation
  • Accepted at Costco
  • Get 2% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
  • $4 per month billed monthly or $48 per year billed annually
  • Access all KOHO account features such as Safe, Goals and Rounding Amounts
  • Get access to a cash advance of up to $250 at 0% interest with KOHO Cover
Read full review

Pros

  • Welcome bonus of $20

Cons

  • Fewer premium perks

Special Offer:

  • Enter the code MILESOPEDIA when you apply for your card
  • Get $20 when you open a KOHO account and make your first purchase within 30 days of signing up.

The features of the KOHO Prepaid Mastercard with the Essential Plan are as follows:

  • Earn 1% cash back on on groceries, eating & drinking, and transportation
  • Accepted at Costco
  • Get 2% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
  • Automate your savings with Goals and RoundUps. Rounding off every purchase allows you to set aside savings, while goals make it easier to save for the things that make you happy.
  • Lock in savings with Vault that keeps the funds you don’t want to spend separate from your spendable balance
  • Create custom budgets and track your spending habits. Know where you’re at in real time with instant notifications every time you spend.
  • Strengthen your credit rating with our 6-month Credit Enhancement Program for only $10/month
  • Get access to a cash advance of up to $250 at 0% interest with KOHO Cover
Read full review
See more cards →

KOHO Cards

KOHO is a Canadian fintech offering reloadable prepaid Mastercards with cash back, no monthly fee on the basic plan, and tools to build credit. You earn cash back on everyday categories such as groceries and transport, plus extra instant cash back at select partner merchants.

Plans & Credit Building

KOHO offers tiered plans (Easy, Essential, Extra, Everything). Paid tiers raise cash back and add perks like price matching and interest on your balance. The optional Credit Building add-on reports a recurring payment to the credit bureaus to help raise your score.

FAQ

Frequently Asked Questions

Is KOHO a credit card?

KOHO is a reloadable prepaid Mastercard, not a traditional credit card. Its optional Credit Building feature reports a small recurring payment to the credit bureaus to help you build credit history.

Does KOHO charge a monthly fee?

KOHO's Easy plan has no monthly fee. Higher tiers (Essential, Extra, Everything) charge a monthly or annual fee in exchange for higher cash back and added perks.

Next step

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