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KOHO Everything Mastercard Review
The Bottom Line
The KOHO Everything Mastercard offers a combination of high cash back rewards and a unique 5% interest on your balance, along with no foreign transaction fees. While the $228 annual fee is steep for a prepaid card, it could be worth it for those who can maintain a high balance and frequently make purchases in the bonus categories.
APPLY NOW
on KOHO's website
Welcome Bonus
Get 2 months for free using promo code KOHOFINLY
Annual Fee
$177
Interest Rates
N/A / N/A
RECOMMENDED CREDIT SCORE
300⁎Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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
- 3.5% interest on your entire balance
Benefits
Details
No Foreign Transaction Fees
No more paying 2.5% or more on your foreign purchases
Interest on Balance
3.5% interest on your entire balance
Unlimited e-Transfers
Discount
Discount on Credit Building - only $5/mo
Eligibility
Credit Score
PoorAnnual Income
N/A
**Eligible for new Koho clients who signup and fund their account within 30 days of account opening Check here for full details and current product information.
Card Details
Interest Rates
Purchase APR
N/A
Cash Advance APR
N/A
Fees
Annual Fee
$177
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Poor
Type
Card Type
Prepaid
Reward Type
Cash BackPros & Cons
Pros
- High rewards
- No foreign transaction fees
- Interest earned on balance
- No credit check
- Unlimited e-transfers
- Discount on credit building
- Select merchant cashback
Cons
- High annual fee
- Low base earn rate
- No insurance
Get personalized rewards estimates — see exactly how much you could earn.
KOHO Everything Mastercard Cash Back Calculator
APPLY NOW
on KOHO's website