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 Passport® Visa Infinite +* Card
A field-by-field comparison of KOHO Prepaid Mastercard Extra Plan and Scotiabank Passport® Visa Infinite +* 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 Passport® Visa Infinite +* Card
Scotiabank
- Annual fee
- $150
- Foreign fee
- 0%
- Annual fee
- $150
- Base Rewards Rate
- 1x
- Welcome bonus
- 35,000 points
Scene+
(Up to)
Applications are submitted to Scotiabank
Key features at a glance
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Issuer | KOHO | Scotiabank |
| Network | ||
| Program | Cash Back | Scene+ |
| Point default value | 1¢/point (cash back) | 1¢/point |
| Annual fee | $144Better on this row | $150 |
| Foreign transaction fee | 0.0 % | 0.0 % |
| Min. annual income | $0 | $60,000+ |
| All purchases | 0.25x | 1xBetter on this row |
| Groceries | 1.5x | 2xBetter on this row |
| Gas | 1.5xBetter on this row | 1x |
| Purchase interest rate | — | 20.99% |
The short answer
- Year oneKOHO Prepaid Mastercard Extra Plan wins 0 of 6 profiles, Scotiabank Passport® Visa Infinite +* 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 Passport® Visa Infinite +* Card wins 6, and 0 are too close to call.The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
- Scotiabank Passport® Visa Infinite +* Card opens Visa Airport Companion Program (6 visits a year); KOHO Prepaid Mastercard Extra Plan grants no lounge access.
- Restaurants: Scotiabank Passport® Visa Infinite +* Card earns 2x (2% 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 Passport® Visa Infinite +* Card earns 1x — 1% back per dollar.
- Entertainment & streaming: Scotiabank Passport® Visa Infinite +* Card earns 2x (2% 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 Passport® Visa Infinite +* Card earns 1x — 1% back per dollar.
Where each card wins
KOHO Prepaid Mastercard Extra Plan
In its favour
- Gas & EV: KOHO Prepaid Mastercard Extra Plan earns 1.5%, against 1x (1% back per dollar) on Scotiabank Passport® Visa Infinite +* Card.
Against it
No material difference in this card's favour was found in the data we compare.
Scotiabank Passport® Visa Infinite +* Card
In its favour
- Scotiabank Passport® Visa Infinite +* Card opens Visa Airport Companion Program (6 visits a year); KOHO Prepaid Mastercard Extra Plan grants no lounge access.
- Restaurants: Scotiabank Passport® Visa Infinite +* Card earns 2x (2% 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 Passport® Visa Infinite +* Card earns 1x — 1% back per dollar.
- Entertainment & streaming: Scotiabank Passport® Visa Infinite +* Card earns 2x (2% 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 Passport® Visa Infinite +* Card earns 1x — 1% back per dollar.
- Scotiabank Passport® Visa Infinite +* Card carries a welcome offer of 35,000 points; KOHO Prepaid Mastercard Extra Plan has none right now.
- Scotiabank Passport® Visa Infinite +* Card earns 1x (1% back per dollar) on everything, against 0.25% on KOHO Prepaid Mastercard Extra Plan.
- Groceries: Scotiabank Passport® Visa Infinite +* Card earns 2x (2% 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 Passport® Visa Infinite +* Card earns 1x (1% back per dollar) and KOHO Prepaid Mastercard Extra Plan pulls ahead.
- Transit: Scotiabank Passport® Visa Infinite +* Card earns 2x (2% 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 Passport® Visa Infinite +* Card earns 1x (1% back per dollar) and KOHO Prepaid Mastercard Extra Plan pulls ahead.
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 Passport® Visa Infinite +* Card |
|---|---|---|
| Welcome bonusNot comparable in the same units | 3 months free + $20 cash back | Up to 35,000 points |
| Our valuationDepends on how you spend | — | $350 |
Income required
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Min. annual income | $0 | $60,000+ |
| Min. household income | $0 | $100,000+ |
Earning rewards
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Groceries | 1.5x | 2xBetter on this row |
| Restaurants | 0.25x | 2xBetter on this row |
| Gas | 1.5xBetter on this row | 1x |
| Local transit | 1.5x | 2xBetter 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 | 1xBetter on this row |
| Telecom | 0.25x | 1xBetter on this row |
| Entertainment | 0.25x | 2xBetter 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 | 3xBetter on this row |
| All purchases | 0.25x | 1xBetter on this row |
Benefits
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Airport lounge access | — | Visa Airport Companion Program6 visits |
| Priority boarding | — | ✗ |
| Wi-Fi access | — | ✗ |
Annual fee and rates
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Annual fee | $144Better on this row | $150 |
| Additional card | $0 | $0 |
| Foreign transaction fee | 0.0 % | 0.0 % |
| Purchase interest rate | — | 20.99% |
| Purchase rate (Quebec) | — | 20.99% |
| Cash advance rate | — | 22.99% |
Insurance
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Travel accident | — | $500,000Better on this row |
| Travel medical | — | $2,000,000Better on this row |
Card details
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* 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 Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $393.75 | $795 |
| Annual fee | −$144 | −$150 |
| Welcome bonus | $0 | $350 |
| Net value | $249.75 | $995 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $393.75 | $795 |
| Annual fee | −$144 | −$150 |
| Net value | $249.75 | $645 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $13,800 | 1.5% | $207 | 2x | $276 |
| Gas & EV | $4,200 | 1.5% | $63 | 1xbase rate | $42 |
| Transit | $2,700 | 1.5% | $40.50 | 2x | $54 |
| Restaurants | $4,800 | 0.25%base rate | $12 | 2x | $96 |
| 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 | 2x | $84 |
| 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 Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $146.25 | $303 |
| Annual fee | −$144 | −$150 |
| Welcome bonus | $0 | $250 |
| Net value | $2.25 | $403 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $146.25 | $303 |
| Annual fee | −$144 | −$150 |
| Net value | $2.25 | $153 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $4,800 | 1.5% | $72 | 2x | $96 |
| Gas & EV | $1,800 | 1.5% | $27 | 1xbase rate | $18 |
| Transit | $900 | 1.5% | $13.50 | 2x | $18 |
| Restaurants | $2,100 | 0.25%base rate | $5.25 | 2x | $42 |
| 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 | 2x | $30 |
| 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 Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $255 | $540 |
| Annual fee | −$144 | −$150 |
| Welcome bonus | $0 | $250 |
| Net value | $111 | $640 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $255 | $540 |
| Annual fee | −$144 | −$150 |
| Net value | $111 | $390 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 1.5% | $135 | 2x | $180 |
| Gas & EV | $2,400 | 1.5% | $36 | 1xbase rate | $24 |
| Transit | $1,800 | 1.5% | $27 | 2x | $36 |
| Restaurants | $3,600 | 0.25%base rate | $9 | 2x | $72 |
| 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 | 2x | $72 |
| 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 Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $198.75 | $399 |
| Annual fee | −$144 | −$150 |
| Welcome bonus | $0 | $250 |
| Net value | $54.75 | $499 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $198.75 | $399 |
| Annual fee | −$144 | −$150 |
| Net value | $54.75 | $249 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $7,200 | 1.5% | $108 | 2x | $144 |
| Gas & EV | $2,100 | 1.5% | $31.50 | 1xbase rate | $21 |
| Transit | $1,200 | 1.5% | $18 | 2x | $24 |
| Restaurants | $2,400 | 0.25%base rate | $6 | 2x | $48 |
| 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 | 2x | $42 |
| 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 Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $255 | $540 |
| Annual fee | −$144 | −$150 |
| Welcome bonus | $0 | $250 |
| Net value | $111 | $640 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $255 | $540 |
| Annual fee | −$144 | −$150 |
| Net value | $111 | $390 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 1.5% | $135 | 2x | $180 |
| Gas & EV | $2,400 | 1.5% | $36 | 1xbase rate | $24 |
| Transit | $1,800 | 1.5% | $27 | 2x | $36 |
| Restaurants | $3,600 | 0.25%base rate | $9 | 2x | $72 |
| 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 | 2x | $72 |
| 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 Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $203.25 | $459 |
| Annual fee | −$144 | −$150 |
| Welcome bonus | $0 | $250 |
| Net value | $59.25 | $559 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
Scotiabank Passport® Visa Infinite +* Card comes out ahead
| Feature | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card |
|---|---|---|
| Rewards earned | $203.25 | $459 |
| Annual fee | −$144 | −$150 |
| Net value | $59.25 | $309 |
Show the per-category math
| Category | Spending | KOHO Prepaid Mastercard Extra Plan | Scotiabank Passport® Visa Infinite +* Card | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $6,000 | 1.5% | $90 | 2x | $120 |
| Gas & EV | $2,100 | 1.5% | $31.50 | 1xbase rate | $21 |
| Transit | $1,800 | 1.5% | $27 | 2x | $36 |
| Restaurants | $4,200 | 0.25%base rate | $10.50 | 2x | $84 |
| 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 | 2x | $42 |
| 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 Passport® Visa Infinite +* Card?
KOHO Prepaid Mastercard Extra Plan charges $144 a year, against $150 for Scotiabank Passport® Visa Infinite +* Card.
Which is better for spending in another currency, KOHO Prepaid Mastercard Extra Plan or Scotiabank Passport® Visa Infinite +* Card?
Both charge 0% on purchases in another currency.
Which card comes out ahead, KOHO Prepaid Mastercard Extra Plan or Scotiabank Passport® Visa Infinite +* 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 Passport® Visa Infinite +* 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
- $150
- Base Rewards Rate
- 1x
- Welcome bonus
- 35,000 points
Scene+
(Up to)
Applications are submitted to Scotiabank