KOHO has announced and offered a metal card option for select Canadian users. Here's everything we know — availability, who gets access, and how it stacks up against other metal cards in Canada.
KOHO has announced and made available a metal card option, primarily for Everything plan users. Availability may depend on your plan and account standing.
KOHO's metal card is a significant step for Canada's leading fintech. Traditionally known for its standard plastic Mastercard, KOHO has moved upmarket with a premium metal card option to compete with premium credit cards and other fintech products.
The metal card carries the same KOHO Mastercard functionality — it works everywhere Mastercard is accepted, online and in-store — but with a heavier, more premium feel.
Based on current information, the KOHO metal card is primarily associated with the Everything plan ($19/month). Here's what we know about access:
Metal card option, 2% cashback everywhere, 6% groceries/dining, 5% HISA, no credit check needed. $100 bonus with 45ET55JSYA.
Metal card (select versions), 3x Scene+ points on groceries, no FX fees, travel insurance. Requires good credit score.
Metal card option available. 5x points on food and drinks, 2x on travel and transit. Requires good-excellent credit.
Premium metal card, extensive travel perks, airport lounge access. Highest fee tier. Requires excellent credit.
| Feature | KOHO (Everything) | Scotia Passport Visa | Amex Cobalt |
|---|---|---|---|
| Annual Fee | $228/yr ($19/mo) | $150/yr | $155.88/yr |
| Credit Check Required | No (prepaid) | Yes | Yes |
| Metal Card | ✓ (select users) | ✓ | ✓ |
| Cashback / Points | Up to 6% cashback | Up to 3x points | Up to 5x points |
| Savings Interest | 5% HISA | ✗ | ✗ |
| No FX Fees | ✓ | ✓ | ✗ |
| Sign-up Bonus | $100 cash (code 45ET55JSYA) | Variable points | Variable points |
| Credit Building | ✓ Included | ✗ | ✗ |
Most metal cards in Canada are premium credit cards with high income requirements and credit score minimums. KOHO's metal card is unique because:
Sign up with code 45ET55JSYA for $100 cash, then check the app for metal card availability.
KOHO has announced and offered a metal card option for Canadian users. Availability is primarily for Everything plan subscribers. Log into your KOHO app and check your card settings or account preferences to see if the metal card option has been enabled for your account. Rollout may be gradual.
The KOHO metal card is tied to the Everything plan ($19/month). If you're already on the Everything plan, the metal card option may be available at no additional cost or for a small shipping/processing fee. Check the app for current pricing details when requesting your metal card.
Both cards are metal options in Canada. The Scotiabank Passport Visa Infinite costs $150/year, offers 3x Scene+ points on groceries, and no FX fees, but requires a strong credit score and minimum income. KOHO Everything costs $228/year but requires no credit check, gives actual cashback (not points), includes a 5% HISA, and offers a $100 sign-up bonus. KOHO is accessible to anyone regardless of credit history.
Yes. KOHO is a prepaid Mastercard, not a credit card. There is no credit check required to open a KOHO account. This means anyone — including newcomers to Canada, students, or those rebuilding their credit — can potentially access the KOHO metal card by signing up for the Everything plan.
To request a KOHO metal card: (1) Make sure you're on the Everything plan. (2) Open the KOHO app. (3) Go to your card settings or profile settings. (4) Look for a "Metal Card" or "Upgrade Card" option. (5) Follow the prompts to request your metal card. If the option isn't visible yet, it may not have rolled out to your account — check back regularly as KOHO continues the rollout.