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URL: https://www.koho.ca/cash-back/

⇱ KOHO Cash Back Mastercard

Up your Cash Back card earning power

All KOHO plans put Cash Back in your pocket, with up to 2% on groceries, transit, and dining — plus up to 6.5% extra at partner merchants. Simple rewards, no fine print.

Instant rewards
Exclusive offers
Flexible spending
Easy tracking

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

Earn actual cash instead of a complicated point system

Value

Access your earnings the moment it lands in your account

Simplicity

No need to convert or calculate value when you redeem points

Flexibility

Use your Cash Back for anything—bills, savings, or a little sweet treat

Real money, not points

Earn actual cash instead of a complicated point system

Value

Access your earnings the moment it lands in your account

Simplicity

No need to convert or calculate value when you redeem points

Flexibility

Use your Cash Back for anything—bills, savings, or a little sweet treat

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 through 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 deals¹.

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:

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2.5M+ Happy Customers
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Read our reviews

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
Essential

$0/mo*

Over $100/year in value**
Get rewarded on everyday spending with Cash Back on the essentialsStart with Essential
Extra

$12/mo

Over $200/year in value**
Get extra perks, extra cash back, and extra savingsSave now with Extra
Everything

$14.75/mo

Over $500/year in value**
Get more than your money’s worth and earn the most rewards on KOHOEarn more with Everything

Benefits

Unlimited Cash Back on groceries, transportation, food & drinks1%1.5%2%
Earn interest2% 2.5% 3.5%
Free Credit Score
Crypto trading fees1%1%0.5%
Instant e-Transfers
No Foreign Transaction Fees-
Discount on Credit Building-30%50%
Phone support

*Get Essential for free! Learn more
**This is an estimate. Actual savings may vary depending on individual spending habits and service usage

Not sure which one speaks to you? Take our quiz to find the best plan for you.

Find a plan

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¹ 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.