KOHO Everything Mastercard
Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
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Card details
Is this card right for you?
KOHO's top prepaid tier: 2% cash back on groceries, dining and transportation for a $14.75/month fee, plus the highest interest rate on your balance (3.5%) across the KOHO lineup.
3.5% interest on your balance
the highest in KOHO's lineup, and for anyone parking cash it can be worth more than the cash back itself.
People who spend heavily in the bonus categories and also hold a meaningful balance.
Your balance and bonus-category spend are modest
the $177/year fee is the steepest of the three tiers.
You want to build credit history through borrowing
this is prepaid, not credit.
Watch-outs The highest fee in the KOHO lineup — run the numbers against Extra before upgrading.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.