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KOHO Essential Mastercard
$75
$100
Until Aug 1, 2026KOHO 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
$1,196,000+ 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 $100 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.
How to earn the welcome bonus
- New KOHO clients can earn 10% cash back in the first 3 months (up to $1,000 in eligible spending, max $100 value)*
- Use promo code FW10C26
- Get 10 Years of Groceries — KOHO Contest1
- Win $500/month for 10 years ($60,000 total) deposited to your KOHO account
- Auto-entry: register and fund a KOHO account (no purchase required)
- Bonus entries: +10 for Direct Deposit setup, +10 per eligible paid product, +10 per referral (no cap, all stackable)
- Ends July 31, 2026 — details here
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
N/A
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
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
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
*These terms and conditions (“Terms”) govern this promotional offer. These Terms are in addition to the terms and conditions applicable to KOHO Account and the use of other products and services offered to you by or through KOHO.
Offer
New KOHO users can get up to 10% Cash Back on eligible purchase transactions for the first 3 months after opening their account.
Offer Period
This Offer is available starting on May 5, and may be withdrawn or modified by KOHO at any time without notice.
Offer Conditions
- Register for a new KOHO account with a valid code.
- Deposit funds into your KOHO account within 30 days of opening your account.
- Complete KYC verification.
- Spend min. $20 on your first transactions within 30 days of opening your account.
Eligibility
Offer applies to new users only.
Exclusions/Limits
- Cash back only on purchase transactions.
- Maximum cash back that can be earned is $100, i.e. 10% of $1,000 in purchase transactions within the first three months.
- Existing users may not redeem this offer.
- Cannot be stacked with other promotional offers.
Excluded categories: Cash advances, ATM withdrawals, money transfers, cryptocurrency purchases, gambling, gift cards. Determination by KOHO is final.
Offer Type Specific Terms
If an Offer includes one or more of the Offer benefits described below, the corresponding terms will apply in addition to the Offer Details and General Terms.
- Interest rate: If Offer includes enhanced interest rate on balance, the following terms will also apply:
- Enhanced interest rate applies only on balance held in the eligible account, which unless otherwise stated is the primary KOHO Account.
- Enhanced interest rate will only apply once you have met all the Offer Conditions to the satisfaction of KOHO.
- Unless otherwise stated, interest earned will be credited into your primary KOHO Account.
- Interest earned may be subject to limits and thresholds, as determined by KOHO and disclosed to you.
- Unless specifically stated, enhanced interest rate offered is inclusive and not additive to the standard rate.
- The enhanced rate applies only for the stated Offer Period, not retroactively nor after. After this period, the standard interest rate applicable to you will apply.
- Interest is per annum calculated daily but paid monthly.
- Account Credit: If an account credit is offered by KOHO as part of this Offer, the following terms will apply:
- The account credit will be applied to the customer’s primary KOHO Account within a reasonable period after all Offer Conditions have been met to the satisfaction of KOHO.
- Account credits may be subject to limits and thresholds, as determined by KOHO and disclosed to you.
- Account Credits may be clawed if an associated transaction or qualified action is disputed, fraudulent or reversed for any reason.
- Discounted Fee: If Offer includes a discount on fee charged by KOHO in relation to a product, service or subscription, the following terms apply:
- The discount is only available for the stated duration and begins upon activation, upon meeting all Offer Conditions.
- At the end of the discount period, if the product, service or subscription isn’t cancelled, standard fee will apply. You may cancel your product, service or subscription at any time.
- Cancelling and reactivating will not reinstate the discount.
- In the event of a partial fee discount, if a fee cannot be successfully charged, access to the product, service, or subscription may be suspended or terminated, and the discounted rate may no longer apply upon reactivation.
- Cashback: If Offer includes enhanced cashback, the following terms will also apply:
- Enhanced cash back applies only to eligible transactions, after you’ve met all Offer Conditions to the satisfaction of KOHO.
- Cash backs will be credited to your primary KOHO Account, within a reasonable period of time, after the eligible transactions have been fully processed and settled.
- Cash back may be subject to limits and thresholds, as determined by KOHO and disclosed to you.
- Cash back may be clawed back on transactions that are disputed, fraudulent or reversed for any reason.
General Terms and Conditions
These General Terms apply to all Offers, irrespective of Offer Type, and are in addition to any Offer-specific terms.
Eligibility: To avail this offer, you must maintain and continue to maintain your KOHO Account in active good standing. KOHO reserves the right to withhold or reverse the benefits of the Offer where accounts are restricted, suspended, or closed.
Eligibility Reset: Eligibility for this Offer is assessed at the time the Offer is presented and/or when the applicable conditions are met. Once an Offer has been applied, cancelled, or expired, the same Offer will not be re-applied or reinstated, even if the qualifying conditions are met again, unless expressly stated.
New Customer: Where an Offer is made available to new customers, it is available only to individuals who do not currently have, and have not previously held, a KOHO Account. Eligibility will be determined by KOHO at its discretion.
Offer Benefit: All Offers and its associated benefits are non-transferable, non-refundable, and have no cash value.
Limited Time: This Offer is valid only for the period communicated and may be withdrawn or modified at any time without notice.
One Offer Rule: Unless otherwise specified, offers cannot be combined with other promotions or incentives.
Clawback: We reserve the right to withhold, reverse or recover any benefits granted in error, or where we suspect fraud, misuse, or violation of these terms.
Reversals & Adjustments: We may adjust or reverse any rewards or benefits if underlying transactions are reversed, refunded, or found to be ineligible.
Taxes: You are responsible for any applicable taxes associated with receiving benefits under an offer.Changes in terms: We may update these terms from time to time. Continued participation in the offer constitutes acceptance of any updated terms.
Governing Terms: In the event of any inconsistency: (i) Offer Details prevail over Offer Type Specific Terms; (ii) Offer Type Specific Terms prevail over General Terms.
1 No purchase required. The campaign begins on or about June 15, 2026 at 12:00 a.m. ET and ends on July 31, 2026 at 11:59 p.m. ET. There is 1 reward available to be won: one (1) grand prize of “10 Years of Free Groceries,” awarded as KOHO account credits of $500 CAD per month for 120 months (approximate total value $60,000 CAD) deposited to the winner’s KOHO Account. Open to legal residents of Canada who have reached the age of majority in their province or territory of residence. Odds of winning depend on the number of eligible participants. Must correctly answer a mathematical skill‑testing question to be declared a winner. Full rules and entry details available at here.