Best KOHO Cards in Canada - October 2026

Looking for the best KOHO Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.

Compare the 3 cards in our selection below. Interested in a card? Click Read review to read our full analysis.

Our selection — KOHO
Credit card	Annual fee	Welcome offer
KOHO Prepaid Mastercard Extra Plan Apply NowCompareRead review	Annual fee$144	Welcome offerAfter $1 in 1 month 3 months free + $20 cash back After $1 in 1 month	Apply NowCompareRead review
KOHO Prepaid Mastercard^® Everything Plan Apply NowCompareRead review	Annual fee$177	Welcome offer 2 months free	Apply NowCompareRead review
KOHO Prepaid Mastercard^® Essential Plan Apply NowCompareRead review	Annual fee$48	Welcome offerAfter $1 in 1 month $20 cash back After $1 in 1 month	Apply NowCompareRead review

KOHO Prepaid Mastercard Extra Plan

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

Your funds earn 2.5% interest (calculated daily, paid monthly) and are protected by CDIC. The card is also accepted at Costco.

For your travels, take advantage of zero FX fees on foreign purchases.

Choose between two payment options for the Extra Plan:

$18/month, billed monthly
$144/year, billed annually (equivalent to $12/month)

Compare

KOHO Prepaid Mastercard Extra Plan

KOHOCash Back

Annual fee: $144
Welcome offerAfter $1 in 1 month: 3 months free + $20 cash back

Annual fee

Primary card$144

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

Earning rate

1.5xGroceries
1.5xTransit
1.5xGas
0.25xAll spending

Value

1st Year Value$81

2nd Year Value$81

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KOHO Prepaid Mastercard^® Everything Plan

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

Your funds earn 3.5% interest (calculated daily, paid monthly) and are protected by CDIC. The card is also accepted at Costco.

For your travels, enjoy zero conversion charges on foreign purchases and one free withdrawal per month from international ATMs.

Choose between two payment options for the Everything Plan:

$22/month, billed monthly
$177/year, billed annually (equivalent to $14.75/month)

Compare

KOHO Prepaid Mastercard^® Everything Plan

KOHOCash Back

Annual fee: $177
Welcome offer: 2 months free

Annual fee

Primary card$177

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

Earning rate

2xGas
2xGroceries
2xTransit
0.5xAll spending

Value

1st Year Value$153

2nd Year Value$162

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KOHO Prepaid Mastercard^® Essential Plan

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 $500 at 0% interest with KOHO Cover

Compare

KOHO Prepaid Mastercard^® Essential Plan

KOHOCash Back

Annual fee: $48
Our valuationMilesopedia first-year estimate First-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.: $20
Welcome offerAfter $1 in 1 month: $20 cash back

Annual fee

Primary card$48

Annual income required

Individual$0

Household$0

Conversion fees

1.5%

Earning rate

1xGroceries
1xTransit
0xAll spending

Value

1st Year Value$68

2nd Year Value$84

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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 $500 at 0% interest with KOHO Cover

Best KOHO Cards in Canada - October 2026

KOHO Prepaid Mastercard Extra Plan

Annual fee

Annual income required

Conversion fees

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KOHO Prepaid Mastercard^® Everything Plan

Annual fee

Annual income required

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Earning rate

Value

KOHO Prepaid Mastercard^® Essential Plan

Annual fee

Annual income required

Conversion fees

Earning rate

Value

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KOHO Prepaid Mastercard Extra Plan

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KOHO Prepaid Mastercard® Everything Plan

Annual fee

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KOHO Prepaid Mastercard® Essential Plan

Annual fee

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KOHO Prepaid Mastercard^® Everything Plan

KOHO Prepaid Mastercard^® Essential Plan