KOHO credit cards
Fintech offering prepaid Mastercards with cash back and a credit-building subscription. Not a traditional credit card issuer. Joined Payments Canada in Jan 2026.
Notable KOHO cards
- KOHO Prepaid Mastercard
- KOHO Credit Building
Approval rules and tips
KOHO does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
KOHO FAQs
What credit cards does KOHO offer?
KOHO's notable cards include KOHO Prepaid Mastercard, KOHO Credit Building. See the cards we review below for fees, rewards and APRs.
Does KOHO have special approval rules?
KOHO does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a KOHO credit card?
Apply on www.koho.ca. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new KOHO card?
See our step-by-step guide to activating a KOHO card — online, in the app or by phone.