Offer
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
Fees & Conditions
Personal Income
$0
Household Income
$0
Annual Fee
$177
First Additional Card
$0
Foreign Transaction Fee
0.00%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Welcome Bonus amount
$20 cash back
Minimum Spending Required
$1
Minimum Spending Timeframe (Months)
1 month
Costco
Earnings
Per dollar of purchases
All Spending
0.5 %
Groceries
2 %
Gas
2 %
Dining and Food delivery
0.5 %
Convenience Stores
0.5 %
Drugstores
0.5 %
Local Transport
2 %
Travel
0.5 %
Entertainment
0.5 %
Recurring Payments
0.5 %
Telecom/Internet
0.5 %
Streaming services
0.5 %
Online transactions
0.5 %
Office Supplies
0.5 %
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
Purchase Protection
Mobile Device Insurance
Price Protection
Alternative Cards
Legal
Only users who have successfully opened a new KOHO account and made their first KOHO card purchase within 30 days of signing up are eligible for the offer and can claim the one-time $20 bonus in their KOHO account. This offer is non-transferable and may only be used once per person. Offer does not apply to other KOHO offers or promotions. KOHO may, at its sole discretion, suspend, terminate or change the terms and requirements of the offer.