Network: Mastercard

• Welcome offer: Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee* and we’ll waive the $29 annual fee for the first year.*
• Enjoy our lowest interest rate of 13.99% on purchases*
• Purchase Protection and Extended Warranty*

• Take advantage of a simple, efficient and convenient payment solution.
• Access funds from anywhere in the world.
• Protect your purchases with a purchase insurance program.
• Free yourself from liability for unauthorized purchases with the MasterCard® Zero Liability program.

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

The features of the KOHO Extra Mastercard® Prepaid Card are as follows:

• Earn 1% cash back on on groceries, eating & drinking, and transportation Plus, up to 50% extra cashback from select merchants.
• Accepted at Costco
• Earn 5% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice.
• Choose from one of four exciting card colours. Receive both a physical and virtual card.
• Start adding funds and shopping online while you wait for your physical card to arrive in the mail. No need to budge from your couch to make online purchases. Just use your virtual card!
• Card Security – KOHO provides a different card number to help protect your physical card number when you’re shopping or booking services online
• Add your KOHO card to Apple, Samsung or Google Pay
• Automate your savings with Goals and RoundUps. Rounding up every purchase lets you stash away some savings, while Goals make it easier to save for whatever it is that makes 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.
• Build your credit history with a 6-month Credit Builder program at only $10/month and earn cashback with KOHO’s Credit Building & Pre-Paid Credit Cards
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

• 3% cash back at restaurants
• 3% cash back at Costco gas and 2% cash back at other gas stations (on the first $5,000 net annual card purchases. Beyond that, you’ll earn 1% cash back)
• 2% cash back at Costco.ca (on the first $8,000 net annual card purchases. Beyond that, you’ll earn 1% cash back)
• 1% cash back on all other purchases including at Costco

The $5,000 and $8,000 limit will reset to zero annually on January 1.

• Earn up to 1.5% cash back on eligible purchases (gas, groceries and online)
• Earn unlimited 1% cash back on all other qualifying purchases
• Earn a minimum of $25 cash back and access your account online to apply it to your credit card statement
• Purchase insurance against theft or damage
• Extended warranty

Earn cash back:

• 2% cash back – no limits. Exclusively for eligible Rogers, Fido or Shaw customers; otherwise, earn 1.5% unlimited cash back on all eligible non-US dollar purchases
• 3% unlimited cash back on U.S. dollar purchases
• 50% more cash back every time you redeem for Rogers, Fido or Shaw purchases

Travel Benefits:

• Complimentary membership to Mastercard Travel Pass provided by DragonPass
• Access to over 1,300 airport lounges worldwide
• $32 USD per person per visit
• 5 Roam Like Home days at no cost with an eligible Rogers mobile plan

Included Insurance Benefits:

• Extended Warranty and Purchase Protection
• Rental Car Collision/Damage
• Out-of-Province/Out-of-Country Emergency Medical
• Trip Interruption
• Trip Cancellation

• Earn up to 100 WestJet dollars¹ (with $1,000 spend in the first 3 months).
• Get an annual round-trip companion voucher starting from $199 CAD² (plus taxes, fees and charges) for round-trip travel within Canada and to/from the continental U.S.
• Earn 1% back in WestJet dollars on everyday purchases³ you make on your card
• Earn 1.5% back in WestJet dollars on WestJet flights or WestJet Vacations packages³
• Use your WestJet dollars toward all or part of a WestJet flights or WestJet Vacations packages⁴— no blackout periods and your WestJet dollars don’t expire⁵— to destinations across North America, Central America, the Caribbean and Europe
• Travel accident insurance¹¹, plus hotel/motel burglary insurance⁹, rental car insurance¹⁰ and your emergency purchase insurance⁹.
• Link your RBC card with a Petro-Points membership and to instantly save 3₵ per litre on fuel⁷ and always earn 20% more Petro-Points at Petro-Canada⁸.

Get $0 delivery fees for 3 months from DoorDash^ – Add your eligible RBC credit card to your DoorDash account to:

• Get a 3-month complimentary DashPass subscription± – a value of almost $30
• Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card

• 3% in BONUSDOLLARS on purchases in the Grocery category (up to $10,000 in purchases during the year – beyond that, the earning rate drops to 1.5%)
• 2% in BONUSDOLLARS on purchases in the Restaurant category (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1.5%)
• 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
• 1.5% in BONIDOLLARS on your other purchases

• Earn 2% cash back on purchases charged to your card for the first three months.
• Earn 1% cash back on purchases charged to your card after three months.

• 25 PC Optimum points / $ at Shoppers Drug Mart
• 10 PC Optimum points / $ at Loblaw stores
• 20 PC Optimum points / $ from PC Travel
• 30 PC Optimum points / liter of gas at Esso / Mobil
• 10 PC Optimum points / $ everywhere else

• 35 PC Optimum points / $ at Shoppers Drug Mart
• 20 PC Optimum points / $ at Loblaw stores
• 20 PC Optimum points / $ from PC Travel
• 30 PC Optimum points / liter of gas at Esso / Mobil
• 10 PC Optimum points / $ everywhere else