Top 5 reasons to choose Koho Virtual Mastercard
✅ Instant approval without credit checks
✅ Use right away — no need for a physical card
✅ Earn up to 5% cashback on daily purchases
✅ Manage subscriptions and recurring payments easily via app
✅ Full security with instant lock/unlock from the app
Why the Koho Virtual Mastercard stands out
The Koho Virtual Mastercard is a fast and flexible solution for those looking for a credit card without the hassle of traditional credit checks. Once you open a Koho account, your virtual card is immediately available — no waiting for physical delivery. You can start using it through Apple Pay, Google Pay, or Samsung Pay, making it ideal for both in-store and online purchases.
Unlike other prepaid or traditional cards that require mailing and verification, Koho lets you skip long processes and access a secure, ready-to-use Mastercard. It also lets you manage recurring subscriptions directly from the app, giving you full control over your monthly expenses and avoiding missed payments.
Another key point is the cashback of up to 5% on selected purchases, turning everyday spending into real savings. For newcomers to Canada or anyone looking for a hassle-free credit option, Koho is a smart way to manage money — with easy cash deposits available through Canada Post branches, making it more accessible than many other cards.
Author’s opnion
From a technical perspective, Koho Virtual Mastercard fills a critical gap: fast, easy access to a secure, fully digital payment method. Cashback and app-based subscription management are key highlights for anyone who prefers an entirely mobile-friendly financial experience. However, it’s worth noting that since this is a virtual-only card, ATM withdrawals are not possible — which could be a downside for users who prefer having that option.
Still, for daily use — especially for online shopping, subscriptions, and tap-to-pay in stores — Koho’s advantages outweigh its limitations. Experts point out that security features like instant card locking, combined with no credit score requirement, make it a flexible option for digital-first users. If you’re looking for something purely online and secure, Koho stands out among similar prepaid or credit products.
Ready to apply?
Want to know how to get the Koho Virtual Mastercard and check all fees? Click below to find out how to apply and start using it today — no waiting, no credit check. If you’re looking for a fast, secure, and fully digital way to manage your payments, Koho Virtual Mastercard is a great choice — and we’ll guide you on how to get yours!