Are you thinking about applying for a credit card? One thing we know very well is how saturated the credit card market is.

Well, there are dozens of cards out there, but most people still don’t know which one to apply for. Depending on your needs, this can be resolved.



Do you have a bad credit history? We know how challenging it is to find a good card that helps you improve it, especially with this saturated market.

That’s why we bring you your best option. The KOHO Prepaid Mastercard has arrived. With the KOHO Prepaid Mastercard, you can not only enjoy a good, completely normal card.

But you can also increase your credit just by using it and its benefits! Let’s learn more below. See some of its fees.

Fees and charges

  • Monthly fee: $10;
  • Interest rates: annual rates calculated daily. They may change without notice;
  • Reimbursement: 2% on general purchases and 6% on online purchases with partners.

About the KOHO bank

When you see the creator of a credit card, you will immediately think that it is a bank. But, in fact, KOHO, the creator of the KOHO Prepaid Mastercard, is a fintech company.

There is indeed a difference between banks and fintech, so it is important to show what they are. Well, KOHO was created in 2014, just 10 years ago.

Being a very recent institution, you may be hearing about it for the first time today. But don’t forget that just because it’s new doesn’t mean it doesn’t have good services.

Besides cards like the KOHO Prepaid Mastercard, the company still has a lot. KOHO is straightforward, you can add funds to your account via electronic transfer from a bank account, loading, MasterCard debit, or direct deposit.

So you can use your card for whatever you want. Did you see how complete the company is?

KOHO App: Award-winning money app

We’ve reached a very cool part. Being a company with a card where you have access to a bank account, obviously it would have its own app to help you.

It is important to remember that the app is not from the card, but from the company. But the KOHO Prepaid Mastercard is managed by it.

In the app, you can download it from the App Store on your phone, and joining over a million customers, you can improve your life. You will have personalized plans for any expense.

You can increase your cashback rewards and start a credit-building journey. Moreover, you can spend less using the app. You will earn additional cashback with the card and on your purchase on different items.

Plus, you won’t have to pay any unnecessary fees like electronic transfers, withdrawals, and more. The app only brings advantages.

Opinion on the KOHO Prepaid Mastercard

As we come to the end of this section, we can see very well how good the KOHO Prepaid Mastercard really is. The app itself is all you need, giving you advantages, benefits, and still managing to give you more financial quality.

The card itself specializes in improving your credit history. Moreover, with it, you can still earn immense cashback, benefits, and all for just $10! Truly, you won’t find an opportunity like this everywhere.

It is also important to remember that the company also affects the card. You will see that KOHO, being a fintech, also brings many benefits.

Now, you may be more curious about the card, don’t worry, we’ll help. See more information about the KOHO Prepaid Mastercard below!

KOHO Prepaid Mastercard: earn up to 5% interest on your entire balance

What do you think about your credit history? Perhaps you feel unhappy with it. That’s because a low credit history only brings disadvantages and problems.

But there are cards that can indeed help you with that, like the KOHO Prepaid Mastercard. You may have already heard of this incredible card.

With it, you’ll realize that there’s much more than just advantages and disadvantages. You’ll find gains and improvements. You can access immense cashback with it! Up to 6% on purchases with online partners.

Even more, 2% on purchases in various sectors, and if you download the app, you can get an additional 1% cashback on purchases and transportation, up to 5% cashback on partners, and 0.5% cashback on all purchases.

Do you want to take advantage of all this? Then keep reading.

Who is the KOHO Prepaid Mastercard for?

If you’re wondering who this card is for, don’t worry, it’s quite simple to answer. Well, the KOHO Prepaid Mastercard is for anyone who wants to apply for it.

For example, if you want immense benefits and advantages. However, another group benefits from it. With the KOHO Prepaid Mastercard, you can increase your credit and its quality.

If you have a slightly low credit score, then know that you can increase it with this card. Well, you can see that its benefits are quite comprehensive.

You, no matter your goal, can always use it without any problems. That’s why the KOHO Prepaid Mastercard has become the favorite choice of all consumers.

What is the credit card limit?

This is a card that helps you increase your credit score, so it makes sense that it doesn’t have a defined limit. Thus, it can vary depending on your score.

If your score is lower, the limit will be the same, and vice versa.

How to increase the limit of the KOHO Prepaid Mastercard?

To increase the limit of this card, you don’t need to worry too much. You can log into your account through the app and request it there. You can even call the company and check.

But remember that if your credit score is not higher than when you received the limit, it may not change.


Did you know that the KOHO Prepaid Mastercard has an app? Well, this app can be downloaded from the Google Play Store or the Apple Store.

No matter your device, you’ll find it. With it, can access four different plans to meet any expenses. Be it economic, more flexibility, or freedom, all with your money.

You can even increase your cashback with it. Plus, you won’t have any more unnecessary fees for withdrawals and transfers, build your credit history and earn points on everything! See, only advantages!

Benefits of the KOHO Prepaid Mastercard

Let’s take a look at some benefits of the KOHO Prepaid Mastercard!

Improve Your Credit

Poor credit is a nightmare. You want to increase it, but to do so, you need a card. But to have a card, you need good credit.

If you want a loan or something similar, you won’t be able to get it. It all becomes quite a frustrating paradox. Luckily, the KOHO Prepaid Mastercard allows you to increase it.

Plenty of Cashback

This card truly offers immense cashback just for you. In the app, you earn 1% cashback on purchases and transportation and up to 5% cashback with partner company refunds.

In the next plan of the account, you can even earn more. And with the card itself, you earn 6% on online purchases and 2% on general purchases.

Economical Plans

If you intend to improve your credit history, then it means that you don’t have great financial plans. This can be critical when it comes to improving credit.

That’s why the KOHO Prepaid Mastercard offers some plans to help you manage finances and improve your credit.

Details of the KOHO Prepaid Mastercard

  • Brand: The KOHO Prepaid Mastercard features the MasterCard brand.
  • Type: This is a card that, although it doesn’t explicitly state debit or credit, when asked for the form of payment in-store, you will choose credit.
  • Initial Limit: The KOHO Prepaid Mastercard doesn’t have an initial limit. Being a credit enhancement card, you will have a variable limit.
  • Annual Fee: The KOHO Prepaid Mastercard does have an annual fee. Pay only $10 per month.
  • Rotating Interest: This card has no specific interest information. Interest rates change daily and can change without notice.
  • Accepts Negative Credit: Yes, if you need to improve your credit, you can do so with the KOHO Prepaid Mastercard.
  • Additional Bank Services: The KOHO Prepaid Mastercard is a card from Fintech KOHO. This company offers you many other services.

First, you can access a bank account with different plans and benefits. You also have credit cards and the cashback and credit improvement service!

Frequently Asked Questions

How to activate the credit card?
If you want to activate the KOHO Prepaid Mastercard, log in to the app. Go to the card settings and unlock it, or do it directly with them.
How to withdraw money with the card?
To withdraw money with the KOHO Prepaid Mastercard, you need to go to an ATM.
What is the card's annual fee?
The annual fee is $10.
How to unlock the card?
Unlocking can be done with the company or through the app.
How to disable contactless payment?
Is it a credit or debit card?
It's a credit card.
What happens if you don't pay the bill?
A fee will be charged.
How to contact KOHO?

How to apply for the credit card

  • Go to the official website;
  • Look for the KOHO Prepaid Mastercard;
  • Click on apply;
  • Fill in the required information with the documents;
  • Submit and wait.


Indeed, we can see that the KOHO Prepaid Mastercard is a great card. The more you learn about it, the more you’ll be surprised.

What surprised us the most was undoubtedly its cashback. With it, you easily have access to various cashback values. And its monthly fee isn’t even very high.

And of course, we haven’t even mentioned its credit score improvement service. This is not commonly seen in cards with so many benefits.

If you want to use the KOHO Prepaid Mastercard, apply for it! It’s definitely worth it.