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The KOHO Extra Mastercard a prepaid card: you load money first, so there's no interest — but it generally won't build your credit history; it charges no foreign transaction fee, which saves about 2.5% on purchases in other currencies.
Welcome offer
New clients can earn 10% cash back using promo code FW10C26
+$100 extra cash back paid by FinlyWealth when you apply through our link and are approved.
Key facts
Pros
- Rewards program
- Select merchant bonus cashback
- No foreign transaction fees
- Interest on balance
- Unlimited e-transfer
- Credit building discount
- Poor credit approval
Cons
- Benefit monthly fees
- Weaker credit building
- High annual fee
- No insurance
All KOHO cards · Cash back cards · Build credit cards
Similar cards
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
| New clients can earn 10% cash back using promo code FW10C26 | +$100 cash back | $0 | Prepaid | — | 2.5% | Apply → | |
| New clients can earn 10% cash back using promo code FW10C26 | +$100 cash back | $177 | Prepaid | — | 0% | Apply → | |
 EQ Bank | N/A | — | $0 | Prepaid | — | 0% | Apply → |
Card data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often — confirm the current terms on the issuer's site before applying. crediteasy.ca is independent and does not provide financial advice.