The New Generation of Smart Money in Canada

O KOHO credit card has arrived to transform the way Canadians manage their personal finances. In a scenario where bank fees are high, interest rates are steep, and bureaucracy often gets in the way of your financial goals, KOHO emerges as an intelligent and accessible alternative.

Unlike traditional credit cards, KOHO offers instant approval and up to 2% reembolso in several categories, allowing you to be rewarded for every purchase you make. Additionally, the platform provides a 100% digital experience where you have complete control over your spending, financial goals, and earnings.

If you’re looking for a simpler and more transparent way to manage your money, the KOHO credit card might be the perfect solution. No hidden fees, no surprises at the end of the month, and the ability to choose the plan that best fits your lifestyle — KOHO puts the power back in your hands.

Want to learn more about how KOHO can transform your financial life and which plans are ideal for your profile? Keep reading to discover everything about how to apply, the exclusive benefits, and the experiences of Canadian users.

Get to Know KOHO Plans: Simple, Direct, and Efficient

KOHO offers three main plans to cater to different financial profiles. They all have one thing in common: they are transparent, with clear benefits and no fine print.

Essential Plan

Ideal for beginners or those who want to save. Free or with a small monthly fee that can be waived with recurring deposits. Includes 1% cashback on selected purchases and competitive interest on the balance held.

Extra Plan

Designed for those who want more return. Offers 1.5% cashback on popular categories, higher interest on the account balance, free withdrawals, and no fees for international purchases. A balanced plan for those who want to optimize their card use.

Everything Plan

The KOHO experience at its maximum level. With up to 2% cashback, attractive interest rates on the balance, and access to the credit building service at a discount, this plan is perfect for those who seek the maximum advantages in one solution.

Take the Test and Find Your Ideal KOHO Plan

Not sure which plan fits your lifestyle? KOHO makes it simple: with a quick and interactive test.

You answer a few questions about your financial habits, card usage frequency, savings goals, and consumption profile.

Based on your answers, the system suggests the plan that offers the best cost-benefit for you.

This approach eliminates guesswork and puts the control in your hands. Instead of adjusting to the bank, the bank adjusts to you. The result is a tailor-made plan, with real benefits for your daily life.

Why KOHO Is Winning the Hearts of Canadians

In one word: freedom. KOHO offers the possibility to manage your finances autonomously, with an intuitive, 100% digital platform. The account works via an app, with smart dashboards, spending reports, savings goals, real-time notifications, and control tools.

Additionally, there are no hidden fees. No maintenance fees, no revolving interest, no surprises. Everything is presented clearly, transparently, and ethically — as it should be with any financial institution.

Unlike traditional credit cards, KOHO doesn’t require a credit check to approve your account. This means that, in just a few minutes, you can gain access to the virtual card and start using it for online or in-person purchases. Simple as that.

And the best part? You start earning cashback from the very first spend — up to 2% back on categories like groceries, transportation, and supermarkets. Instead of paying interest or fees, you are rewarded for spending. That’s putting the consumer first.

Does KOHO Help Build Credit? Yes, and Safely

Although it is a prepaid card, KOHO offers an additional feature called Credit Building, which can be added to the paid plans.

With it, you access a small limit used solely for building credit history.

It’s the perfect solution for those starting their financial journey in Canada or for anyone looking to repair or strengthen their credit.

By using this feature, your payments are reported to credit bureaus, helping to improve your credit score over time — without risks, no debt, and no complications.

How to Apply for KOHO: Quick, Digital, and No Bureaucracy

Traditional account opening? Not with KOHO. Everything happens online:

1. Access the website or download the app.

2. Take the test to find the ideal plan.
3. Fill in your basic details.
4. Choose the recommended plan.
5. Done! Your virtual card will be available immediately.

The physical card is sent in a few days, and you can start managing your account, making deposits, and paying your daily expenses with complete freedom.

KOHO vs Traditional Banks: A Necessary Comparison

Feature	KOHO	Traditional Banks
Maintenance Fees	No (in most plans)	Yes
Revolving Interest	No	Yes
Cashback	Up to 2%	Rare or non-existent
Ease of Use	100% via app	Depends on the bank
Account Opening	Instant and online	May require physical visit
Credit Building	Yes, via optional service	Yes, with traditional card

Conclusion: Is KOHO Worth Using in 2025?

O KOHO credit card is the perfect solution for those looking for more financial control, with no hidden fees and real benefits like cashback. Whether you’re a beginner in the financial world or someone looking to optimize your credit usage, KOHO offers flexible and easy-to-understand plans, tailored to any lifestyle.

Now that you know the advantages of KOHO and how it can transform your financial experience, why not explore other options available in the Canadian market?

If you’re looking for more rewards and benefits on your purchases, don’t miss our next article on the Simplii Cash Back Visa. Discover how it compares to KOHO and which option might be the most advantageous for you!

Click below to read the full article about the Simplii Cash Back Visa and continue your journey to smarter and more rewarding finances!