Is the KOHO metal card available right now in Canada?
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.
Is there an extra cost for the KOHO metal card?
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.
How does the KOHO metal card compare to the Scotiabank Passport Visa Infinite?
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.
Can I get a KOHO metal card if I have bad credit?
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.
How do I request a KOHO metal card?
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.