KOHO Extra 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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Is this card right for you?
KOHO's mid-tier prepaid Mastercard: 1.5% cash back on groceries, dining and transportation for a $12/month fee, plus 2.5% interest on your balance.
2.5% interest on your balance
a genuine benefit that offsets the monthly fee for anyone parking cash.
People who want stronger cash back than the free Essential tier and will use enough of the partner-merchant bonuses to justify $12/month.
You spend little enough that the monthly fee outweighs the extra cash back over Essential.
You want to build credit history through borrowing
this is prepaid, not credit.
Watch-outs Do the math against KOHO Essential — the $144/year fee needs enough bonus-category spend to clear it.
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.