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Refer & Earn 25%
KOHO Everything Mastercard
2.5/5
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Interest Rates
Cash Advance: N/A
Purchase: N/A
Annual Fee
$228
Annual Income
Personal: N/A
Household: N/A
Credit Score
Poor
Welcome Bonus
N/A
Card Type
Prepaid
Our Rating
2.5/5
Institution
KOHO
Rewards
- 2% cash back on groceries, transportation, and restaurants
- 0.5% cash back on all other purchases
Calculating reward breakdowns
Insurance & Benefits
Insurance
Coverage
Benefits
Details
No Foreign Transaction Fees
Unlimited e-Transfers
Interest on Balance
Up to 5% interest
Discount
$5 discount on credit building each month
Extra points
Extra cashback at KOHO partner merchants
Pros & Cons
Pros
- High rewards: Earn 2% cash back on essential categories like groceries, restaurants, and transportation.
- No foreign exchange fees: Save 2.5% on all foreign currency purchases.
- 5% interest on balance: This makes it one of the best hybrid savings and spending accounts.
- No credit check: Instant approval with no impact on your credit score.
Cons
- High annual fee: The card comes with a hefty $228 annual fee.
- Lower cash back on other purchases: Only 0.5% on all other purchases.
- No insurance: Lacks typical credit card insurance perks.