Working hard in the background...
KOHO Essential Mastercard
$75
$100
Until Jul 1, 2026
KOHO Essential Mastercard
Credit Card · Apply through Finly
Cash back
$100
Finly rebate
$75$100
Get $75$100 rebate** on the KOHO Essential Mastercard
Apply through Finly. Get approved by the financial institution. We e-Transfer your rebate via Interac, no points or portals required.
Promotional rebate expires on
Paid via INTERAC e-Transfer
Secure & private
$938,000+ paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
- Only valid for eligible new Koho customers.
- Must fund your Koho account a minimum of $1 within the first 30 days of signup.
The card
Why KOHO Essential Mastercard?
Issued by KOHO. Apply through Finly to earn an extra cash rebate on top of every reward this card offers.
Earns rewards on
0% - 6.5%
Groceries
Dining
Transit
- 1% cash back on groceries, eating and drinking, and transportation
- 2% interest on your entire balance
- Up to 6.5% extra cash back at selected merchants
Fees & rates
Annual fee
$0
Purchase interest
N/A
Cash advance interest
N/A
Foreign transaction
2.5%
Additional cards
$0
Credit recommended
Poor
Built-in perks & coverage
Unlimited e-Transfers
Interest on Balance
Ready when you are
$100 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your sign-up. No portals, no points — just real cash.
Promotional rebate expires on
How you get paid
From offer to bank deposit
The financial institution approves your application — we handle the rest. No claims to file, no portals to log into.
01
Sign in to Finly
Create an account or sign in. Add your Interac e-Transfer email so we can pay you out.
02
Click the offer
We track your application via your Finly account — no codes needed. Don't switch devices or use ad-blockers.
03
Apply with the financial institution
Complete the financial institution's application as usual on their site. Get approved on their schedule.
04
Wait for verification
The institution reports your sign-up to us within a few days to a few weeks. We'll email you when it's confirmed.
05
Get paid via Interac
Once verified, we e-Transfer your rebate within 10 days. The cash lands directly in your bank account.
Your timeline at a glance
1
Posting time
3-5 days after signup
Time before the transaction shows up in your Finly profile.
2
Locking time
30-60 days after signup
Time before the rebate is locked in and ready for payout.
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
