What purchases earn cash back with KOHO?

KOHO cash back is earned on eligible purchases made with your KOHO card, not on every transaction. In general, that means everyday spending such as groceries, transportation, and recurring bills, plus any special merchant offers you activate in the KOHO app. The exact categories, rates, and exclusions depend on your KOHO plan and the current offers available to you.

Purchases that usually earn KOHO cash back

Here’s the simplest way to think about it: if you pay with your KOHO prepaid Mastercard for an eligible purchase, you may earn cash back.

Common eligible purchase types

Groceries
Transportation purchases
Recurring bills and subscriptions, if included in your plan
Partner merchant offers in the KOHO app
Online and in-store debit purchases that qualify under KOHO’s program rules

Special KOHO offers

KOHO also runs merchant-specific cash back offers. These usually work like this:

You activate the offer in the app.
You shop with your KOHO card at the eligible merchant.
Cash back is credited after the purchase meets the offer conditions.

These offers can change, so the best place to check is the KOHO app.

Purchases that usually do not earn cash back

Not every KOHO transaction qualifies. Cash back typically does not apply to:

ATM withdrawals
Money transfers
Cash-like transactions
Fees or charges
Refunded, cancelled, or reversed purchases

If a transaction is later refunded, any cash back tied to it may also be removed.

Does every KOHO plan earn cash back the same way?

No. KOHO cash back can vary by:

Plan type
Spending category
Current promotional offers
Merchant eligibility

That means one plan may offer cash back on more categories, while another may be more limited. If you want to know exactly what earns cash back on your account, check the Cash Back or Rewards section in the KOHO app.

How to make sure a purchase qualifies

To improve your chances of earning KOHO cash back:

Pay with your KOHO card
Use eligible merchants
Activate offers before shopping
Check your plan details
Review the app for exclusions and expiration dates

A quick rule of thumb: if it’s an eligible debit purchase and KOHO lists it as covered, it can earn cash back.

How KOHO cash back is usually credited

Cash back is generally:

Tracked automatically
Added after the transaction is confirmed
Visible in your KOHO account activity or rewards section

For merchant offers, there may be a short delay before the cash back appears.

Best way to maximize KOHO cash back

If you want to earn the most, focus on:

Putting everyday spending on your KOHO card
Using KOHO for groceries and recurring bills
Checking the app for boosted partner offers
Avoiding purchases that KOHO classifies as non-eligible transactions

Quick answer

KOHO cash back is usually earned on eligible card purchases like groceries, transportation, recurring bills, and activated partner offers. The exact purchases that qualify depend on your KOHO plan and the current rewards rules.

FAQ

Do online purchases earn KOHO cash back?

Yes, if the online purchase is eligible and paid with your KOHO card.

Do subscriptions earn cash back?

Sometimes. Recurring bills and subscriptions may qualify, depending on your plan and KOHO’s rules.

Can I earn cash back on cash withdrawals?

No. ATM withdrawals do not usually earn cash back.

Where can I check my eligible purchases?

Look in the KOHO app under your rewards, cash back, or offer details.

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