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4.6
/5
KOHO
Mastercard
KOHO Everything MastercardCash Back Calculator
Get 2 months for free using promo code KOHOFINLY
Our Take
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.
Exclusive · From FinlyWealth$75$100 rebate
Limited offer · ends Jun 1
Card Details
Interest Rates
Purchase: N/A
Cash Advance: N/A
Annual Fees
Main Card: $177
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300⁎Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Prepaid
Our Rating
4.6/5
Institution
KOHO
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
No insurance coverage information available for this card.
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
Pros & 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
Legal
*Eligible for new Koho clients who signup and fund their account within 30 days of account opening