Prepaid

Special offer:

• Enter the code EARNKOHO when applying for your card.
• Get 2 months of the Everything Plan for free

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 3.5% 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

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 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.
• $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

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
• Get 2% 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

Everyday cashback

• 6% on average on restaurants, bars and cafés
• 4% on your favorite apps (Netflix, Disney+, Crave, Apple, Uber, Lyft, SkipTheDishes, DoorDash and UberEats)
• Up to 3% on gas and groceries

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

• No annual fee
• Hold and exchange 40+ currencies in your Wise account
• Spend money in over 150 countries, withdraw cash from 2.3 million ATMs.
• Convert currencies with market exchange rates and transparent, low 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
• The automatic conversion feature ensures that you always pay the lowest possible charges when you spend currencies you don't have 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

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.

• Free withdrawals at any ATM in Canada
• 0.5% cash back on every purchase
• Earn the same excellent rate as your Personal Account
• No foreign exchange fees, monthly fees, or other hidden fees

• Prepaid card