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koho everything

KOHO Everything Mastercard
Review

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Card Details

Interest Rates


Purchase: N/A

Cash Advance: N/A

Annual Fee


$177

Annual Income


Personal: N/A

Household: N/A

Credit Score Estimate


300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Welcome Bonus


N/A

Card & Reward Type


Card Type: Prepaid

Reward Type: Cash Back

Our Rating


2.5/5

Institution


KOHO

Rewards


  • 2% cash back on groceries, eating & drinking, and transportation
  • 0.5% cash back on all other purchases
  • Up to 6.5% extra cash back at selected merchants
  • 4% interest on your entire balance
  • No FX fees
  • Up to 6.5% extra cash back at selected merchants

Insurance & Benefits


No insurance coverage information available for this card.


Benefits

Details

  • exchange money

    No Foreign Transaction Fees

  • grwoth

    Interest on Balance

    4% interest on your entire balance
  • send money

    Unlimited e-Transfers

  • discount

    Discount

    Discount on Credit Building - only $5/mo

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.
  • 4% 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 $177 annual fee, or $22 monthly if not purchasing the annual option.
  • Lower cash back on other purchases: Only 0.5% on all other purchases.
  • No insurance: Lacks typical credit card insurance perks.
Rewards Breakdown

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