KOHO Prepaid Mastercard Extra Plan
KOHO
- Annual fee
- $144
- Foreign fee
- 0%
- Annual fee
- $144
- Base Rewards Rate
- 0.25%
- Welcome bonus
- —
Cash Back
Applications are submitted to KOHO
KOHO Prepaid Mastercard Extra Plan vs Scotiabank Gold American Express® Card
A field-by-field comparison of KOHO Prepaid Mastercard Extra Plan and Scotiabank Gold American Express® Card, built from the same card data that powers our comparison tools. Every figure below traces back to a data field — nothing here is an editorial estimate.
Scotiabank Gold American Express® Card
Scotiabank
- Annual fee
- $120
- Foreign fee
- 0%
- Annual fee
- $120
- Base Rewards Rate
- 1x
- Welcome bonus
- 50,000 points
Scene+
(Up to)
Applications are submitted to Scotiabank
Key features at a glance
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Issuer | KOHO | Scotiabank |
| Network | ||
| Program | Cash Back | Scene+ |
| Point default value | 1¢/point (cash back) | 1¢/point |
| Annual fee | $144 | $120Better on this row |
| Foreign transaction fee | 0.0 % | 0.0 % |
| Min. annual income | $0 | $12,000+ |
| All purchases | 0.25x | 1xBetter on this row |
| Groceries | 1.5x | 5xBetter on this row |
| Gas | 1.5x | 3xBetter on this row |
| Purchase interest rate | — | 21.99% |
The short answer
- Year oneKOHO Prepaid Mastercard Extra Plan wins 0 of 6 profiles, Scotiabank Gold American Express® Card wins 6, and 0 are too close to call.Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
- Every year afterKOHO Prepaid Mastercard Extra Plan wins 0 of 6 profiles, Scotiabank Gold American Express® Card wins 6, and 0 are too close to call.The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
- Restaurants: Scotiabank Gold American Express® Card earns 5x (5% back per dollar), against 0.25% on KOHO Prepaid Mastercard Extra Plan.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Gold American Express® Card earns 1x — 1% back per dollar.
- Entertainment & streaming: Scotiabank Gold American Express® Card earns 5x (5% back per dollar), against 0.25% on KOHO Prepaid Mastercard Extra Plan.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Gold American Express® Card earns 1x — 1% back per dollar.
- Groceries: Scotiabank Gold American Express® Card earns 5x (5% back per dollar), against 1.5% on KOHO Prepaid Mastercard Extra Plan.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Gold American Express® Card earns 1x (1% back per dollar) and KOHO Prepaid Mastercard Extra Plan pulls ahead.
Where each card wins
KOHO Prepaid Mastercard Extra Plan
In its favour
No material difference in this card's favour was found in the data we compare.
Against it
No material difference in this card's favour was found in the data we compare.
Scotiabank Gold American Express® Card
In its favour
- Restaurants: Scotiabank Gold American Express® Card earns 5x (5% back per dollar), against 0.25% on KOHO Prepaid Mastercard Extra Plan.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Gold American Express® Card earns 1x — 1% back per dollar.
- Entertainment & streaming: Scotiabank Gold American Express® Card earns 5x (5% back per dollar), against 0.25% on KOHO Prepaid Mastercard Extra Plan.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Gold American Express® Card earns 1x — 1% back per dollar.
- Groceries: Scotiabank Gold American Express® Card earns 5x (5% back per dollar), against 1.5% on KOHO Prepaid Mastercard Extra Plan.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Gold American Express® Card earns 1x (1% back per dollar) and KOHO Prepaid Mastercard Extra Plan pulls ahead.
- Scotiabank Gold American Express® Card opens Priority Pass (0 visits a year); KOHO Prepaid Mastercard Extra Plan grants no lounge access.
- Gas & EV: Scotiabank Gold American Express® Card earns 3x (3% back per dollar), against 1.5% on KOHO Prepaid Mastercard Extra Plan.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Gold American Express® Card earns 1x (1% back per dollar) and KOHO Prepaid Mastercard Extra Plan pulls ahead.
- Transit: Scotiabank Gold American Express® Card earns 3x (3% back per dollar), against 1.5% on KOHO Prepaid Mastercard Extra Plan.The ceilingThat rate runs to $50,000 of spending a year. Past the ceiling, Scotiabank Gold American Express® Card earns 1x (1% back per dollar) and KOHO Prepaid Mastercard Extra Plan pulls ahead.
- Scotiabank Gold American Express® Card carries a welcome offer of 50,000 points; KOHO Prepaid Mastercard Extra Plan has none right now.
- Scotiabank Gold American Express® Card earns 1x (1% back per dollar) on everything, against 0.25% on KOHO Prepaid Mastercard Extra Plan.
- Scotiabank Gold American Express® Card costs $120 a year — $24 less than KOHO Prepaid Mastercard Extra Plan at $144.
Against it
No material difference in this card's favour was found in the data we compare.
Welcome offer
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Welcome bonusNot comparable in the same units | 3 months free + $20 cash back | Up to 50,000 points |
| Our valuationDepends on how you spend | — | $500 |
Income required
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Min. annual income | $0 | $12,000+ |
| Min. household income | $0 | $12,000+ |
Earning rewards
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Groceries | 1.5x | 5xBetter on this row |
| Restaurants | 0.25x | 5xBetter on this row |
| Gas | 1.5x | 3xBetter on this row |
| Local transit | 1.5x | 3xBetter on this row |
| Travel | 0.25x | 1xBetter on this row |
| Pharmacies | 0.25x | 1xBetter on this row |
| Convenience stores | 0.25x | 1xBetter on this row |
| Streaming | 0.25x | 3xBetter on this row |
| Telecom | 0.25x | 1xBetter on this row |
| Entertainment | 0.25x | 5xBetter on this row |
| Recurring payments | 0.25x | 1xBetter on this row |
| Online purchases | 0.25x | 1xBetter on this row |
| Office supplies | 0.25x | 1xBetter on this row |
| With the partner brand | 0.25x | 6xBetter on this row |
| All purchases | 0.25x | 1xBetter on this row |
Benefits
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Airport lounge access | — | Priority PassMembership only |
| Priority boarding | — | — |
| Wi-Fi access | — | — |
Annual fee and rates
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Annual fee | $144 | $120Better on this row |
| Additional card | $0 | $29 |
| Foreign transaction fee | 0.0 % | 0.0 % |
| Purchase interest rate | — | 21.99% |
| Purchase rate (Quebec) | — | 21.99% |
| Cash advance rate | — | 22.99% |
Insurance
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Travel accident | — | $500,000Better on this row |
| Travel medical | — | $1,000,000Better on this row |
Card details
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Network | ||
| Issuer | KOHO | Scotiabank |
Which one wins, by spending profile
Grocery-heavy household
A family basket weighted towards groceries and everyday spending.
Assumes $54,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $393.75 | $1,590 |
| Annual fee | −$144 | −$120 |
| Welcome bonus | $0 | $500 |
| Net value | $249.75 | $1,970 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $393.75 | $1,590 |
| Annual fee | −$144 | −$120 |
| Net value | $249.75 | $1,470 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $13,800 | 1.5% | $207 | 5x | $690 |
| Gas & EV | $4,200 | 1.5% | $63 | 3x | $126 |
| Transit | $2,700 | 1.5% | $40.50 | 3x | $81 |
| Restaurants | $4,800 | 0.25%base rate | $12 | 5x | $240 |
| Pharmacy | $900 | 0.25%base rate | $2.25 | 1xbase rate | $9 |
| Travel | $1,500 | 0.25%base rate | $3.75 | 1xbase rate | $15 |
| Bills & recurring payments | $5,100 | 0.25%base rate | $12.75 | 1xbase rate | $51 |
| Telecom | $4,800 | 0.25%base rate | $12 | 1xbase rate | $48 |
| Entertainment & streaming | $4,200 | 0.25%base rate | $10.50 | 5x | $210 |
| Office supplies | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Other | $12,000 | 0.25%base rate | $30 | 1xbase rate | $120 |
Light spender
A modest basket where an annual fee weighs heavily.
Assumes $21,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $146.25 | $600 |
| Annual fee | −$144 | −$120 |
| Welcome bonus | $0 | $500 |
| Net value | $2.25 | $980 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $146.25 | $600 |
| Annual fee | −$144 | −$120 |
| Net value | $2.25 | $480 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $4,800 | 1.5% | $72 | 5x | $240 |
| Gas & EV | $1,800 | 1.5% | $27 | 3x | $54 |
| Transit | $900 | 1.5% | $13.50 | 3x | $27 |
| Restaurants | $2,100 | 0.25%base rate | $5.25 | 5x | $105 |
| Pharmacy | $600 | 0.25%base rate | $1.50 | 1xbase rate | $6 |
| Travel | $600 | 0.25%base rate | $1.50 | 1xbase rate | $6 |
| Bills & recurring payments | $2,100 | 0.25%base rate | $5.25 | 1xbase rate | $21 |
| Telecom | $2,400 | 0.25%base rate | $6 | 1xbase rate | $24 |
| Entertainment & streaming | $1,500 | 0.25%base rate | $3.75 | 5x | $75 |
| Office supplies | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Other | $4,200 | 0.25%base rate | $10.50 | 1xbase rate | $42 |
Everyday couple
A balanced two-person basket across groceries, dining and bills.
Assumes $36,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $255 | $1,092 |
| Annual fee | −$144 | −$120 |
| Welcome bonus | $0 | $500 |
| Net value | $111 | $1,472 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $255 | $1,092 |
| Annual fee | −$144 | −$120 |
| Net value | $111 | $972 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 1.5% | $135 | 5x | $450 |
| Gas & EV | $2,400 | 1.5% | $36 | 3x | $72 |
| Transit | $1,800 | 1.5% | $27 | 3x | $54 |
| Restaurants | $3,600 | 0.25%base rate | $9 | 5x | $180 |
| Pharmacy | $600 | 0.25%base rate | $1.50 | 1xbase rate | $6 |
| Travel | $1,200 | 0.25%base rate | $3 | 1xbase rate | $12 |
| Bills & recurring payments | $3,000 | 0.25%base rate | $7.50 | 1xbase rate | $30 |
| Telecom | $3,600 | 0.25%base rate | $9 | 1xbase rate | $36 |
| Entertainment & streaming | $3,600 | 0.25%base rate | $9 | 5x | $180 |
| Office supplies | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Other | $7,200 | 0.25%base rate | $18 | 1xbase rate | $72 |
Retiree
A basket tilted towards groceries, pharmacy and travel.
Assumes $27,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $198.75 | $804 |
| Annual fee | −$144 | −$120 |
| Welcome bonus | $0 | $500 |
| Net value | $54.75 | $1,184 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $198.75 | $804 |
| Annual fee | −$144 | −$120 |
| Net value | $54.75 | $684 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $7,200 | 1.5% | $108 | 5x | $360 |
| Gas & EV | $2,100 | 1.5% | $31.50 | 3x | $63 |
| Transit | $1,200 | 1.5% | $18 | 3x | $36 |
| Restaurants | $2,400 | 0.25%base rate | $6 | 5x | $120 |
| Pharmacy | $600 | 0.25%base rate | $1.50 | 1xbase rate | $6 |
| Travel | $900 | 0.25%base rate | $2.25 | 1xbase rate | $9 |
| Bills & recurring payments | $2,700 | 0.25%base rate | $6.75 | 1xbase rate | $27 |
| Telecom | $2,700 | 0.25%base rate | $6.75 | 1xbase rate | $27 |
| Entertainment & streaming | $2,100 | 0.25%base rate | $5.25 | 5x | $105 |
| Office supplies | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Other | $5,100 | 0.25%base rate | $12.75 | 1xbase rate | $51 |
International traveller
A couple's basket with a quarter of the spending charged in another currency.
Assumes $36,000 of card spending a year, of which 25% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $255 | $1,092 |
| Annual fee | −$144 | −$120 |
| Welcome bonus | $0 | $500 |
| Net value | $111 | $1,472 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $255 | $1,092 |
| Annual fee | −$144 | −$120 |
| Net value | $111 | $972 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 1.5% | $135 | 5x | $450 |
| Gas & EV | $2,400 | 1.5% | $36 | 3x | $72 |
| Transit | $1,800 | 1.5% | $27 | 3x | $54 |
| Restaurants | $3,600 | 0.25%base rate | $9 | 5x | $180 |
| Pharmacy | $600 | 0.25%base rate | $1.50 | 1xbase rate | $6 |
| Travel | $1,200 | 0.25%base rate | $3 | 1xbase rate | $12 |
| Bills & recurring payments | $3,000 | 0.25%base rate | $7.50 | 1xbase rate | $30 |
| Telecom | $3,600 | 0.25%base rate | $9 | 1xbase rate | $36 |
| Entertainment & streaming | $3,600 | 0.25%base rate | $9 | 5x | $180 |
| Office supplies | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Other | $7,200 | 0.25%base rate | $18 | 1xbase rate | $72 |
Frequent foreign spender
A deliberately aggressive scenario: half of all spending charged in another currency.
Assumes $31,800 of card spending a year, of which 50% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $203.25 | $888 |
| Annual fee | −$144 | −$120 |
| Welcome bonus | $0 | $500 |
| Net value | $59.25 | $1,268 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Gold American Express® Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card |
|---|---|---|
| Rewards earned | $203.25 | $888 |
| Annual fee | −$144 | −$120 |
| Net value | $59.25 | $768 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Gold American Express® Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $6,000 | 1.5% | $90 | 5x | $300 |
| Gas & EV | $2,100 | 1.5% | $31.50 | 3x | $63 |
| Transit | $1,800 | 1.5% | $27 | 3x | $54 |
| Restaurants | $4,200 | 0.25%base rate | $10.50 | 5x | $210 |
| Pharmacy | $600 | 0.25%base rate | $1.50 | 1xbase rate | $6 |
| Travel | $900 | 0.25%base rate | $2.25 | 1xbase rate | $9 |
| Bills & recurring payments | $3,000 | 0.25%base rate | $7.50 | 1xbase rate | $30 |
| Telecom | $3,600 | 0.25%base rate | $9 | 1xbase rate | $36 |
| Entertainment & streaming | $2,100 | 0.25%base rate | $5.25 | 5x | $105 |
| Office supplies | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 0.25%base rate | $0 | 1xbase rate | $0 |
| Other | $7,500 | 0.25%base rate | $18.75 | 1xbase rate | $75 |
Frequently asked questions
Which costs less per year, KOHO Prepaid Mastercard Extra Plan or Scotiabank Gold American Express® Card?
Scotiabank Gold American Express® Card charges $120 a year, against $144 for KOHO Prepaid Mastercard Extra Plan.
Which is better for spending in another currency, KOHO Prepaid Mastercard Extra Plan or Scotiabank Gold American Express® Card?
Both charge 0% on purchases in another currency.
Which card comes out ahead, KOHO Prepaid Mastercard Extra Plan or Scotiabank Gold American Express® Card?
It depends on how you spend. Across the 6 spending profiles on this page, KOHO Prepaid Mastercard Extra Plan wins 0 in year one, Scotiabank Gold American Express® Card wins 6, and 0 are too close to call.
Do these earn rates have spending caps?
Yes — where a card caps a category, the ceiling is stated next to the rate on this page, along with what the card earns beyond it.
How we compare
- Every figure on this page is read from the card data we maintain — annual fees, foreign transaction fees, earn rates, spending caps, welcome offers, insurance and lounge access.
- Points are valued at our published valuation for each card's loyalty program. Cash back is counted at face value.
- The spending profiles are standard baskets, not your spending. The share charged in a foreign currency is a stated scenario assumption.
- Year one and the years after are kept separate: the welcome bonus and any first-year fee waiver only count in year one.
- We may earn a commission when you apply through the links on this page. It never changes the figures above — they come from the same data for every card.
Ready to apply?
Applications are submitted on the issuer's own site. Nothing you read above changes if you apply from here.
- Annual fee
- $144
- Base Rewards Rate
- 0.25%
- Welcome bonus
- —
Cash Back
Applications are submitted to KOHO
- Annual fee
- $120
- Base Rewards Rate
- 1x
- Welcome bonus
- 50,000 points
Scene+
(Up to)
Applications are submitted to Scotiabank