What is a travel card?
A travel card is a specialized payment card designed for travelling, usually offering benefits like no foreign transaction fees. KOHO offers more than the traditional travel card by including additional built-in benefits like eSIM connectivity and comprehensive travel insurance, making it a more traveller-friendly option.
One travel card, all the perks
Wherever you go, KOHO is your everyday Mastercard. What’s included?
No FX fees
No additional foreign transaction fees*
Worldwide cash access
Get your money anywhere, with one free international withdrawal each month
In-app card control
Easily lock your card in-app if it's lost or stolen
Fraud protection
Rest easy in case of unauthorized use with Mastercard zero liability policy
Global cash back
Get up to 2% cash back on groceries, dining and transportation, even when abroad
Travel partner rewards
Earn extra cash back from travel-related partners like Expedia, Booking.com, Contiki
Budget and save for travel
Feel the excitement build as your travel funds increase with Goals and Vault
No credit check required
Explore the world freely, knowing your travel dreams aren't limited by credit checks
Avoid foreign transaction fees
Spend confidently abroad, knowing every dollar goes to your experiences, not fees
Send money internationally
Send money online to family or transfer money overseas with competitive rates, zero hidden fees, and built-in currency converter.
Budget and save for travel
Feel the excitement build as your travel funds increase with Goals and Vault
No credit check required
Explore the world freely, knowing your travel dreams aren't limited by credit checks
Avoid foreign transaction fees
Spend confidently abroad, knowing every dollar goes to your experiences, not fees
Send money internationally
Send money online to family or transfer money overseas with competitive rates, zero hidden fees, and built-in currency converter.
Get an eSIM for international travel
Wherever you go, you can use your phone just like at home. Get your free KOHO eSIM, provided by Airalo, included in your plan.
Up to 3GB data free
Connect in 190+ countries
Top up anytime
Ready to stay connected on your travels? After choosing your destination in the KOHO app.
- Make sure you're connected to the internet
- Hit that "Install eSIM" button when it pops up
- Follow the quick setup steps on your phone
- Switch your cellular data to your shiny new eSIM
- Flip on "Data Roaming" (don't worry it's included!)
Your travel data will spring to life either right away or the moment you land at your destination.
Relax knowing your trip is covered
Bag lost in transit? Baggage coverage
Airline strike? Interruption coverage
Unexpected injury? Emergency medical coverage
Canadians waste $640/year on travel mishaps. Don't be one of them.
- Emergency medical services
- Trip cancellation & interruption
- Accidental death & dismemberment
- Lost or damaged baggage
- Rental car protection
Coverage available from $20. Add it all or choose a few, whatever suits your needs.**
Pick a plan and try our prepaid travel card with no cost
Join others travelling smarter with KOHO.
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
Making real progress
Discover what our members love about the KOHO prepaid travel card.
FAQs about prepaid travel card
Skip the hidden travel costs with KOHO Extra and Everything plans, which eliminate the typical 2.5-3% foreign transaction fees most banks charge while giving you exclusive travel perks that keep more money in your wallet during international adventures.
When choosing the best travel credit card in Canada, look beyond flashy promotions to evaluate what truly matters: absence of foreign transaction fees, comprehensive travel insurance coverage, valuable rewards programs that match your spending habits, and whether the annual fee justifies the benefits you'll actually use.
To get your KOHO prepaid card, simply download the KOHO app, sign up for an account, and choose your preferred plan. Your virtual card will be available immediately in the app, and you can request your physical Mastercard in-app in 10 business days.
KOHO travels as far as your adventures take you, with seamless Mastercard acceptance in 190+ countries worldwide for both in-store purchases and online bookings, making it one of the best travel cards in Canada.
An eSIM (embedded SIM) is a digital cellular plan that lets travellers instantly connect to local data networks worldwide without the hassle of purchasing and swapping physical SIM cards, perfect for staying connected during international adventures.
Most newer smartphones support eSIM technology. To check your specific device, visit your phone's settings menu or check the manufacturer's website for eSIM compatibility details. But no worries, we'll also let you know before you purchase an eSIM in-app if your device isn't compatible.
Travel insurance protects you from unexpected costs during your trips. With the right policy, you can travel confidently knowing you're protected against costly surprises. Whether flying domestically or internationally, it can cover emergency medical expenses like hospital visits and emergency transport while abroad; trip cancellation and interruption reimbursement when plans change due to covered events; compensation for lost or damaged personal belongings; financial protection for severe injuries or loss of life through accidental death and dismemberment coverage; and rental car protection for vehicle damage, theft, or liability issues.
The cost of travel insurance will vary for each trip, depending on your personal details as well as things like trip duration and cost. To give you an idea, the price of a 5 day trip can start as low as $20*
*This price is an estimate for an Emergency Medical Premium, based on a 30 year-old male travelling from Ontario to Mexico for 5 days at a trip cost of $1,000. The price varies based on personal, trip and other details unique to each person.
When you sign up for a paid plan (Essential, Extra, or Everything), you can enroll for Travel Insurance. Just open the KOHO app, head to the Discover tab, and choose Travel Insurance.
The easiest way to get information about your Travel Insurance is by referring to the policy documents for your coverage that you receive by email after purchase.
If you still have questions regarding your policy, contact our insurance partner, Walnut, at 1-855-558-1605 or via email at [email protected].
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*No 1.5% FX fee if you are on Extra or Everything plan, currency conversion rate applies.
**Insurance provided by a third party insurance provider and Walnut is the broker on record. Terms and Conditions apply.