KOHO Everything Plan Review 2026

Is the $19/month Everything plan worth it over the free plan? We ran the numbers. Here's the honest answer.

4.2 / 5 Rating Break-even: ~$2,100/mo spending Updated March 2026
4.2
★★★★☆
out of 5

KOHO Everything Plan

The Everything plan at $19/month is KOHO's premium tier. It's worth it for heavy spenders (2,500+/mo), frequent international travellers, and anyone who values the full feature set. For moderate spenders, the Extra plan at $9/mo offers better value.

All Three KOHO Plans Compared

Free
$0 /month
✓ 1% cashback on food/drink
✓ 3.0% interest on balance
— No cashback on other spending
— 1.5% FX fee on foreign spend
— No credit building
— No price protection
✓ Vaults & budgeting
✓ Spending analytics
Extra
$9 /month
✓ 2% cashback on food/drink
✓ 0.5% cashback on everything
✓ 3.0% interest on balance
✓ 0% FX fees internationally
✓ Credit building feature
— No price protection
— No extended warranty
✓ Vaults & budgeting
THIS REVIEW
Everything
$19 /month
✓ 2% cashback on food/drink
✓ 2% cashback on everything else
✓ 3.0% interest on balance
✓ 0% FX fees internationally
✓ Credit building feature
✓ Price protection on purchases
✓ Extended warranty on purchases
✓ Purchase protection insurance
✓ Vaults & budgeting

Note: Exact plan features may vary. Always confirm current details at koho.com.

💰 Everything Plan Break-Even Calculator

Enter your spending to see if the $19/month Everything plan earns more than Extra ($9/mo)

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Free plan annual value
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Extra plan annual value
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Everything plan annual value

What's Unique to Everything vs Extra

The $10/month premium over Extra buys these specific upgrades:

💸
2% cashback on ALL purchases (vs 0.5% on Extra)
The big differentiator. On $1,500/month non-food spending, this is $360/year extra vs Extra plan's $90. The $10/month premium costs $120/year. Net gain: +$240/year at $1,500 other spending.
🛡️
Price protection
If an item you bought drops in price within 60 days, KOHO refunds the difference. Valuable for electronics, appliances, and major purchases.
🔧
Extended warranty protection
Doubles the manufacturer's warranty on eligible purchases. Worth significant money if you buy electronics or appliances.
📦
Purchase protection insurance
Covers damage or theft of new purchases for 90 days. Similar to Visa Infinite perks on premium credit cards.

Pros & Cons of the Everything Plan

✅ Pros

✓ 2% cashback on ALL spending (best among no-credit-check accounts)
✓ Price protection rivals premium Visa Infinite cards
✓ Extended warranty adds real value on electronics
✓ 0% FX — great for frequent travellers
✓ No hard credit check to open
✓ 3.0% interest on every dollar

❌ Cons

✗ $228/year fee is high vs Extra ($108) and Free ($0)
✗ Break-even requires ~$2,100/month non-food spending
✗ 2% cashback still trails premium credit cards (3–5% in categories)
✗ Price protection requires claim process — not automatic
✗ Insurance features require claim documentation

Who Should Choose Each Plan

✅ Get Everything if you…

Spend $2,000+/month total, travel internationally 3+ times/year, buy major electronics or appliances regularly, or want the best cashback possible on KOHO.

⚠️ Stick with Extra if you…

Spend mostly on food/dining (both plans earn 2% on that), spend under $2,000/month total, or rarely buy big-ticket items that need warranty/price protection.

🔰 Use Free if you…

Spend under $1,000/month, primarily care about the 3.0% interest, or pair KOHO with a premium cashback credit card that already gives 2%+ on everything.

💡 The optimal setup

KOHO Free + BMO CashBack World Elite credit card = 5% groceries (credit card) + 3.0% interest on your balance (KOHO) + no monthly fees. Often beats Everything plan value.

Start with KOHO Free — Upgrade Anytime

Open KOHO for free today and earn 3.0% interest + $100 bonus. Upgrade to Everything anytime from the app if your spending justifies it.

Get KOHO Free + $100 Bonus → View All KOHO Plans