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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
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Foreign transaction fee
0 %

Issuer terms

The code EARNKOHO is applied automatically when you sign up through our KOHO link.

Features:

  • Earn 1.5% cash back on eligible groceries, transportation, and food and drinks and 0.25% on other eligible purchases.
  • Accepted at Costco
  • 2.5% annual interest on eligible balances when you opt in to Earn Interest. The variable rate is calculated daily and paid monthly.
  • The Extra plan costs $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
  • Eligible members may access a cash advance of up to $500 through the Cover bundle. The limit depends on eligibility. The bundle starts at $2/month. The standard price for the $500 tier is $30/month for eligible members. Eligibility criteria and Terms and Conditions apply.
Read full review
Rewards
Rate
Groceries
1.5x
Transit
1.5x
Gas
1.5x
Read full review

Pros

  • Simple and straightforward

Cons

  • No welcome bonus

The code EARNKOHO is applied automatically when you sign up through our KOHO link.

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

2.5% annual interest on eligible balances when you opt in to Earn Interest. The variable rate is calculated daily and paid monthly…

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
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Foreign transaction fee
0 %

Issuer terms

The code EARNKOHO is applied automatically when you sign up through our KOHO link.

Features:

  • Earn 2% cash back on eligible groceries, transportation, and food and drinks and 0.5% on other eligible purchases.
  • Accepted at Costco
  • Up to 3.5% annual interest on eligible balances when you opt in to Earn Interest. The variable rate is calculated daily and paid monthly.
  • The Everything plan costs $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 Everything.
  • Eligible members may access a cash advance of up to $500 through the Cover bundle. The limit depends on eligibility. The bundle starts at $2/month. The standard price for the $500 tier is $30/month for eligible members. Eligibility criteria and Terms and Conditions apply.
Read full review
Rewards
Rate
Gas
2x
Groceries
2x
Transit
2x
Read full review

Pros

  • 2x on groceries

Cons

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

The code EARNKOHO is applied automatically when you sign up through our KOHO link.

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

  • Earn 2% cash back on eligible groceries, transportation, and food and drinks and 0.5% on other eligible purchases.

Up to 3.5% annual interest on eligible balances when you opt in to Earn Interest. The variable rate is calculated daily and paid monthly…

Read full review
KOHO Prepaid Mastercard Core Plan
KOHO Prepaid Mastercard® Core Plan
KOHOCash Back
Annual fee
$0
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
$0
Min. annual income
—
Household income
$0+
Interest rates
Foreign transaction fee
1.5 %

Issuer terms

The code EARNKOHO is applied automatically when you sign up through our KOHO link.

Features:

  • Earn 1% cash back on eligible groceries, transportation, and food and drinks.
  • Accepted at Costco
  • 2% annual interest on eligible balances when you opt in to Earn Interest. The variable rate is calculated daily and paid monthly.
  • The Core plan costs $0 per month.
  • Access all KOHO account features such as Safe, Goals and Rounding Amounts
  • Eligible members may access a cash advance of up to $500 through the Cover bundle. The limit depends on eligibility. The bundle starts at $2/month. The standard price for the $500 tier is $30/month for eligible members. Eligibility criteria and Terms and Conditions apply.
Read full review

Pros

  • No annual fee

Cons

  • No welcome bonus

The code EARNKOHO is applied automatically when you sign up through our KOHO link.

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

  • Earn 1% cash back on groceries, eating & drinking, and transportation
  • Accepted at Costco
  • 2% annual interest on eligible balances when you opt in to Earn Interest. The variable rate is calculated daily and paid monthly.
  • 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.
  • The Core plan costs $0 per month.
  • Eligible members may access a cash advance of up to $500 through the Cover bundle. The limit depends on eligibility. The bundle starts at $2/month. The standard price for the $500 tier is $30/month for eligible members. Eligibility criteria and Terms and Conditions apply.
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.

KOHO plans and interest

Core costs $0 per month, Extra costs $12 and Everything costs $14.75. Members who opt in to Earn Interest can earn 2% per year with Core, 2.5% with Extra or up to 3.5% with Everything on eligible balances. Rates are variable. KOHO calculates interest daily and pays it monthly.

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 Core costs $0 per month. Extra costs $12 per month and Everything costs $14.75 per month.

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