What is cash back?
Cash back is money you earn on purchases you make with your KOHO card. Unlike traditional loyalty points, cash back gives you real money. Save it, spend it—use it the moment it hits your account for anything you want
How does KOHO cash back work?
Pick your plan to get the rewards you want
Depending on your plan—Essential, Extra, or Everything—you’ll earn different cash back rates on everyday purchases
Earn real cash back
With KOHO, you get a percentage of your purchases back as real cash in your KOHO account, no waiting until the end of the month to redeem it.
Bonus cash back with partners
Shop with partner merchants through the app and enjoy extra bonus cash back on top of your regular rewards
Benefits of a prepaid card with cash back
Real money, Not Points
Value
Access your earnings the moment it lands into your account
Simplicity
Flexibility
Apply online to get one of the best cash back cards in Canada
Step 1
Download the KOHO app and sign up for an account
Apply online to get one of the best cash back cards in Canada
Step 2
Pick a plan and earn up to 2% cash back on groceries, transportation, and eating & drinking
Apply online to get one of the best cash back cards in Canada
Step 3
Start spending to start earning
Apply online to get one of the best cash back cards in Canada
Step 4
Head to the cash back page in-app and earn even more though our partner deal links
Shop in-app to get more cash back
Get additional cash back on top of what you earn with your KOHO plan when you shop with our partner deals.
Most popular
Aesop
3.9% cash back
Alo Yoga
6.5% cash back
Aveda
2.6% cash back
Booking.com
2.6% cash back
Chewy
2.6% cash back
Clinique
3.9% cash back
Coach
1.3% cash back
Crocs
3.9% cash back
Dyson
3.9% cash back
Expedia
3.9% cash back
Foot Locker
2.6% cash back
IHG
2.6% cash back
LEGO
3.9% cash back
Macy's
1.95% cash back
Michael Kors
2.6% cash back
Michaels
2.6% cash back
Myprotein
2.6% cash back
New Balance
5.2% cash back
Old Navy
3.9% cash back
PetSmart
1.3% cash back
Sephora
3.9% cash back
Steve Madden
2.6% cash back
Travelocity
3.9% cash back
Under Armour
3.25% cash back
Walmart
0.65% cash back
e.l.f. Cosmetics
3.25% cash back
Shop Canadian
123ink.ca
3.25% cash back
Aires Tech
5.2% cash back
Aldo
3.9% cash back
Altitude-Sports
4.55% cash back
Aosom
6.5% cash back
Ardene
3.25% cash back
Attitude Living
2.6% cash back
Baskits
3.25% cash back
BeRightBack.ca
3.9% cash back
Beau Lake
6.5% cash back
Bestcanvas
5.2% cash back
Bikini Village
4.55% cash back
Blackcircles
1.3% cash back
Bluenotes
3.25% cash back
BookOutlet
2.08% cash back
Branch
2% cash back
Brother
1.95% cash back
Busbud
2.6% cash back
Callia
3.25% cash back
Canada Pet Care
7.8% cash back
Canadian Down & Feather
3.25% cash back
Chicmi
1.95% cash back
Corel
6.5% cash back
Cuddledown
3.25% cash back
DAVIDsTEA
1.3% cash back
Defender Cameras
3.25% cash back
Diecast
6.5% cash back
Dragonscale
6.5% cash back
Dufresne Furniture
1.3% cash back
EVOLV Electric Scooters
3.9% cash back
Four Seasons At Home
1.3% cash back
Gap
3.9% cash back
Giant Tiger
1.95% cash back
Golf Avenue
1.3% cash back
Goodee World
1.95% cash back
Green Motion
4.22% cash back
Grosche International Inc.
6.5% cash back
HOLOS Foods Inc.
1.3% cash back
Harry Rosen
3.9% cash back
Henry's
3.25% cash back
HockeyMonkey
3.25% cash back
Homeoanimo
13% cash back
Hostpapa
9.75% cash back
Hot Poc
6.5% cash back
IKONICK
5.2% cash back
IQ Food Co.
2% cash back
Kanuk
2.6% cash back
Kernels Popcorn
6% cash back
Keyway
9.75% cash back
Kobo
6.5% cash back
Lambwolf Collective
6.5% cash back
LawDepot
16.25% cash back
LegalWills
7.8% cash back
Lil Helper
3.25% cash back
Little Burgundy Shoes
7.15% cash back
Loulou Lollipop
1.95% cash back
Luxury Rug Store
5.2% cash back
MAC Cosmetics
5.2% cash back
MEC
5.2% cash back
Mary Maxim
3.25% cash back
Minimal Bottle
5.2% cash back
Mint.ca
3.25% cash back
Modern Bathroom
3.9% cash back
ModernFurniture.ca
1.3% cash back
MoreLabs
7.15% cash back
Mustang Survival
3.25% cash back
Nanoleaf
5.2% cash back
Natura Market
3.25% cash back
Northern Reflections
2.6% cash back
Omega Alpha
7.15% cash back
Open Farm
4% cash back
Party Expert
3.9% cash back
Penningtons
0.65% cash back
Peoples Jewellers
2.6% cash back
Pet Valu
1.3% cash back
Points.com
6.5% cash back
Prodigy
16.25% cash back
Psycho Bunny
3.25% cash back
QE Home
1.3% cash back
RW&CO.
0.32% cash back
Rakuten Kobo
2% cash back
Reitmans
0.32% cash back
Ripley's Believe It or Not!
1.95% cash back
Routine Probiotics
26% cash back
Running Room
5.2% cash back
SAXX Underwear
9.75% cash back
SPC Card
13% cash back
Saje Wellness
6.5% cash back
Simons
0.65% cash back
Solem
5.85% cash back
SoloStrength
3.25% cash back
Sportdirect.ca
5.2% cash back
SportsExperts.ca
1.95% cash back
Starlight Lighting
7.15% cash back
Suzy Shier
1.3% cash back
TSC
1.95% cash back
Tablet Hotels
3.25% cash back
Takasa
2.6% cash back
Team Town Sports
3.9% cash back
TenTree
3% cash back
The Granville Island Pet Treatery Corp
6.5% cash back
The Shoe Company
2.6% cash back
Thurso Surf
1.95% cash back
TuxMat
1.3% cash back
UnderPar
2.6% cash back
Vagabond Life
6.5% cash back
Vega
1.95% cash back
Vesta Living, Corp.
9.75% cash back
Victoria Emerson
5.2% cash back
WagJag
4.55% cash back
Well.ca
3.9% cash back
Wingbuddy
2.6% cash back
World Pet Express
7.8% cash back
Yarnspirations
0.65% cash back
ayamayaoutdoor
5.2% cash back
ecobee
3.9% cash back
la Vie en Rose
3.25% cash back
meowbox
5.2% cash back
What our members are saying:
Pick a plan and try it with no cost
All KOHO plans come with a free 30 day trial so you can see if it suits you.
The perfect plan for your needs | |||
|---|---|---|---|
Benefits | |||
| Unlimited cash back on groceries, transportation, food & drinks | 1% | 1.5% | 2% |
| Earn interest | 2.5% | 3% | 4% |
| Free Credit Score | |||
| Instant e-Transfers | |||
| No Foreign Transaction Fees | - | ||
| Discount on Credit Building | - | 30% | 50% |
| Personal Phone Support | - | - |
* Get Essential for free! Learn more
**This is an estimate. Actual savings may vary depending on individual spending habits and service usage
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*Cash back rates are subject to change at any time. For the most accurate and up-to-date information, please refer to the KOHO app.