KOHO
KOHO Extra Mastercard
Cash Back1.0¢ exact
$144 annual feeCredit tier: None (prepaid)
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KOHO Extra is the mid-tier prepaid Mastercard plan, earning 1.5% cash back on groceries, dining, and transportation and 0.25% elsewhere, with 2.5% interest on your balance and no foreign transaction fees. It costs $144/yr billed annually and adds travel perks like a free international eSIM.
Earn Rates
🛒 Groceries — Amex accepted1.5x🍽️ Dining1.5x⛽ Gas1.5x🚇 Transit1.5x·Everything else0.25x
💡 1.5% cash back on groceries, eating & drinking, and transportation (transit, rideshare, gas); 0.25% on everything else. $18/month billed monthly or $144/year billed annually (annual is cheaper). No foreign transaction fees. Up to 6.5% extra at select partner merchants; 2.5% interest on your balance; free international eSIM.
Best For
Frequent travellers and mid-spenders who want no FX fees plus a meaningful bump in cash back over the entry tier.
Strengths
- ✓No FX fees
- ✓1.5% on core everyday categories
- ✓2.5% interest on balance
- ✓Free international eSIM
Weaknesses
- ×$144–$216/yr fee with no waiver
- ×Only 0.25% outside core categories
- ×Prepaid (limited credit building)
- ×Monthly billing pricier than annual
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