Offers
Welcome Bonus
Eligible new applicants for the KOHO Essential Mastercard can receive a welcome bonus of up to $20 cash:
- Get $20 when you successfully register for a new KOHO account using the code FFLYER2025, deposit funds and make your first purchase within 30 days (min. $20 first purchase required).
FlyerFunds Rebate
Plus, if you apply for the KOHO Essential Mastercard through Frugal Flyer and are approved, you can receive an additional $75 paid directly to you.
Earning Cash Back
The KOHO Essential Mastercard earns cash back for all purchases made on the card:
- 1% cash back for every dollar spent on groceries, eating & drinking, and transportation purchases.
Cardholders can also earn up to 6.5% cash back at select merchants.
Redeeming Cash Back
Cash back earned on the KOHO Essential Mastercard can be redeemed at any point by selecting the “Cash Back” option on either the KOHO mobile app or website.
Benefits
Earn Interest on Card Balance
The KOHO Essential Mastercard earns 2% interest on the cash balance on the card.
Waive The Plan Annual Fee
The KOHO Essential Mastercard plan comes with a free 30-day trial to see if the plan suits their needs.
Cardholders who set up a recurring direct deposit or deposit a minimum of $1,000 each month into their KOHO account will receive the Essential plan for $0 per month.
KOHO Credit Building
Cardholders can enroll in the KOHO Credit Building service (at a cost of $10 per month), which will give them the ability to grow their credit score by using this card.
Fees & Eligibility
| Personal Income | $0 |
| Household Income | $0 |
| Annual Fee | $48 |
| Foreign Exchange Fee | 2.50% |
Other KOHO Cards
| Credit Card | ||
|---|---|---|
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$20 cash back and $75 FlyerFunds Estimated value: $95 |
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$20 cash back and $75 FlyerFunds Estimated value: $95 |
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