Card Type: Prepaid card

• No annual fee
• Hold and exchange 40+ currencies in your Wise account
• Spend in 150+ countries, withdraw at 2.3 million ATMs
• Convert currencies with the mid-market exchange rate and low transparent fees
• View and manage your account in the Wise app
• Freeze and unfreeze your card instantly
• Spend any currency you hold in the account for free when you have enough balance
• Auto convert feature makes sure you always pay the lowest possible fee when spending currencies you don’t hold in your account
• Check your currency balances in the app – and get instant transaction notifications for security
• It’s a debit card, not a credit card – easier to manage your budget without running up debts or incurring credit charges

• Get 1% cash back on all your purchases
• Earn cash back or invest your money in an investment account or cryptocurrency of your choice
• You can also earn 2% interest on your account balance
• Wealthsimple Premium and Generation customers can earn an even higher interest rate of up to 3%.
• No foreign transaction fees for purchases made in currencies other than the Canadian dollar
• No annual fee

Special Offer:

• Enter the code MILESOPEDIA when you apply for your card
• Get $20 in your KOHO account after the first purchase within the first 30 days

Features:

• Earn an extra 2% cashback on eating & drinking, billing & services, and groceries on top of minimum 0.5% cash back on all purchases. Plus, receive up to 50% cash back at selected merchants.
• Accepted at Costco
• Earn 4% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $22 per month billed monthly or $177 per year billed annually ($14.75 per month)
• Access the following features, exclusive to the Everything Plan:
  • No FX fees on purchases
  • 1 free international ATM withdrawal per month
  • Credit enhancement for $5/month instead of $10
  • Access all the features of a KOHO account such as Card Security, Goals, and RoundUps.
  • Strengthen your credit with the 6-month Credit Enhancement Program for only $5/month and earn cash back with the KOHO Prepaid Mastercard Complet.
  • Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

A game-changer card for teens

A card designed for teens and great for all. The JA Money card—powered by Neo gives you the tools to manage your money, save smarter, and get rewarded.

Exclusive cashback offers at Neo partners

• Restaurants & Food Delivery: Enjoy 5% average cashback at awesome restaurants and Uber Eats.
• Clothing & Footwear: Shop the latest styles and score 2% cashback at stores like Dynamite, JD Sports, and Simons.
• Books & eBooks: Catch up on reading with 2% cashback at places like Chapters, Indigo, and Kobo.
• Games & Entertainment: Level up with 2% cashback at spots like PlayStation, Xbox, Nintendo, and Steam.
• Health & Fitness: Stay active with 2% cashback at places like GoodLife Fitness and YMCA.
• And more: Use the Neo app to discover over 10,000 places to earn rewards— it’s like the Google Maps of cashback.

Features and benefits

• Get notified in real time: Know what’s happening with your money at all times. Get notified anytime money goes in or out of your account, freeze and unfreeze your card instantly.
• Safe, secure deposits: Deposits are eligible for CDIC protection², and payments are protected by a world-class security infrastructure.
• Advanced app security: Protect your account with Face ID, fingerprint lock, and two-factor authentication.

Everyday cashback

• 1% on gas and grocery
• 0.5% monthly minimum cashback

Exclusive cashback offers at Neo partners

• 5% average cashback at restaurants, bars and cafes
• 3% on popular streaming services
• 3% on ride sharing services
• 3% on food delivery services
• 2%+ at retail partners (online and in-store)

Features and benefits

• Personalized insights powered by generative chat AI (coming soon)
• Digital card available to use immediately
• Get cashback at thousands of local and national partners

• Free withdrawals from any ATM in Canada
• 0.5% cash back on every purchase
• Get the same great rate as your Personal Account until you spend
• No FX fees, monthly fees, or other hidden fees

• Prepaid card

Special offer:

• Enter the code MILESOPEDIA when you apply for your card
• Earn a $20 cash bonus when you sign up for a KOHO account with our link and make your first purchase within 30 days of registration

Features:

• Get 1% cash back on groceries, meals, drinks and transportation
• Accepted at Costco
• Earn 2.5% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $4 per month billed monthly or $48 per year billed annually
• Access all KOHO account features such as Safe, Goals and Rounding Amounts
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

Special offer:

• Enter the code KOHOMILES when applying for your card.
• Get 3 months’ subscription to the Extra Plan for free (a discount of $18 per month) and $20 cash back

Features:

• Earn 1.5% cash back on 3 main spending categories (food, bills & services, meals and beverages) plus a minimum 0.25% cash back on all purchases.
• Accepted at Costco
• Earn 3% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $18 per month billed monthly or $144 per year billed annually ($12 per month)
• No conversion fees on foreign purchases
• 1 free international ATM withdrawal per month
• Credit enhancement for $7/month instead of $10
• Access all KOHO account features such as Safe, Goals and Rounding Amounts
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover