{"id":79376,"date":"2026-04-07T07:10:00","date_gmt":"2026-04-07T11:10:00","guid":{"rendered":"https:\/\/hardbacon.ca\/?post_type=product-page&#038;p=79376"},"modified":"2026-04-08T14:43:13","modified_gmt":"2026-04-08T18:43:13","slug":"koho-credit-cards","status":"publish","type":"product-page","link":"https:\/\/hardbacon.ca\/en\/koho-credit-cards\/","title":{"rendered":"Best KOHO Credit Cards"},"content":{"rendered":"\n<section  class=\"section-p \">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h1 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>KOHO<\/span> vs Alternatives: Compare Options<\/h1>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>KOHO offers a prepaid Mastercard alternative that lets you earn cash back, build credit, and manage your money without borrowing or carrying debt. Instead of a traditional credit limit, you spend only what you load into your account.<\/p>\n<p>With multiple subscription tiers offering different earn rates, foreign transaction policies, and credit-building features, choosing the right KOHO plan depends on how you spend and save.<\/p>\n<p>We compare KOHO plans based on cash back potential, fees, interest on balances, FX savings, and credit-building value so you can decide if a prepaid approach fits your financial goals.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/?cc_ii%5B%5D=604aa4ed9a9ad159d2058e9b\" class=\"whitespace-nowrap button-link-base button-link-filled mt-8\" target=\"_self\">Compare KOHO Mastercard Cards<\/a>\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/10\/Koho-logo.svg\" class=\"w-full h-auto max-w-[600px] mx-auto rounded-sm\" alt=\"Koho logo\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n\n\n\n\t<div x-data=\"stickyTocByRange('.sticky-toc-start', '.sticky-toc-end', '!flex')\" :class=\"bannerClasses()\"  @click=\"$store.tocToggle = !$store.tocToggle\" class=\"hidden fixed top-5 lg:bottom-5 lg:top-auto right-5 border-1 border-white text-white rounded-sm bg-accent-green flex p-2 gap-1 cursor-pointer z-[999] shadow-(--shadow)\">\n\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/toc.BnfYFLp4.svg\" loading=\"lazy\" alt=\"Table of content\" class=\"w-3 h-auto\">\n\t\t<span class=\"text-xs\">Table of content<\/span>\n\t<\/div>\n\n\t\t<div x-data class=\"fixed top-0 bottom-0 right-0 z-[999] translate-x-full transition-transform duration-300 ease-out will-change-transform\" :class=\"$store.tocToggle &#038;&#038; '!translate-x-0'\" >\n\t\t<div class=\"relative bg-white h-full py-10 px-8 lg:px-20 flex flex-col justify-center shadow-(--shadow)\">\n\t\t\t<div class=\"flex justify-between items-center mb-10\">\n\t\t\t\t<span class=\"font-medium\">Table of content<\/span>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" loading=\"lazy\" alt=\"Close\" class=\"block p-2 w-12 h-auto cursor-pointer\" @click=\"$store.tocToggle = !$store.tocToggle\">\n\t\t\t<\/div>\n\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#Best Overall Choice\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">anchor_1<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#Best Credit Building\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">anchor_2<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#Best Travel\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">anchor_3<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#Best No-Fee\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">anchor_4<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_5\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Plans Comparison<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_6\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Pros &#038; Cons<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_7\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Credit Building Features<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_8\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">Foreign Transaction Fees Analysis<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_9\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">How to Maximize Your Rewards<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_10\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">KOHO Vs Alternatives<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_11\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">How to Choose the Right Card<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-2.5\">\n\t\t\t\t\t\t<a href=\"#anchor_12\" class=\"py-2\" @click=\"$store.tocToggle = !$store.tocToggle\">FAQs<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<section  class=\" relative overflow-hidden section-p\">\n\t<div class=\"container\">\n\t\t\t\t\t<header class=\"section-head-center mb-21 lg:mb-36\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-7\">Top KOHO Credit Cards in Canada: <span>Quick Overview<\/span><\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div>\n\t\t\t<div x-data=\"horizontalScrollShadows\" x-init><div x-ref=\"scroller\" @scroll.passive=\"onScroll\" class=\"overflow-x-auto\"><table class=\"simple-table\"><caption class=\"sr-only\">Aper\u00e7u rapide des meilleures cartes de cr\u00e9dit \u00e0 faible taux d\u2019int\u00e9r\u00eat<\/caption><thead><tr><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Category<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>First year value<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Score<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Winner<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Card<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Learn more<\/span>\n                <\/span>\n            <\/th><\/tr><\/thead><tbody><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best Overall<\/th><td>$281<\/td><td>4.5<\/td><td>KOHO Prepaid Mastercard Everything<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/64777971f609c55e29d0a622_card\" alt=\"KOHO Prepaid Mastercard Everything\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_1\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-everything-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Best Credit Building<\/th><td>$164<\/td><td>4.2<\/td><td>KOHO Prepaid Mastercard Essential<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" alt=\"KOHO Prepaid Mastercard Essential\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_2\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-essential-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Best Travel<\/th><td>$196<\/td><td>4.3<\/td><td>KOHO Prepaid Mastercard Extra<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/604ab1cc9a9ad159d2058e9c_card\" alt=\"KOHO Prepaid Mastercard Extra\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_3\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-extra-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Best No-Fee<\/th><td>$164<\/td><td>4.2<\/td><td>KOHO Prepaid Mastercard Essential<\/td><td><div class=\"py-2\"><img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" alt=\"KOHO Prepaid Mastercard Essential\" class=\"mx-auto min-w-[66px] w-[195px] h-auto\"><\/div><\/td><td><div class=\"py-4 flex flex-col gap-2 items-center\"><a href=\"#anchor_4\" class=\"whitespace-nowrap button-link-sm-base button-link-filled \">See description<\/a><a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-essential-card\/\" class=\"shrink-0 text-xs lg:text-base\">View details &#8594;<\/a><\/div><\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_1\" class=\"sticky-cta-start sticky-toc-start bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>Overall<\/span> KOHO Credit Card<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>KOHO\u2019s prepaid Mastercard plans offer a modern alternative to traditional credit cards, with each tier providing different levels of cash back, savings features, and affordability.<\/p>\n<p>The best overall option is the one that delivers the strongest mix of rewards, travel-friendly perks, and higher interest on balances for users who want maximum everyday value.<\/p>\n<p>Within KOHO\u2019s lineup, one plan provides the most complete set of features for Canadians who want consistent rewards and premium-level benefits while still avoiding the complexity and debt risk of a traditional credit card.<\/p>\n<h3>Winner: KOHO Everything Mastercard<\/h3>\n<p>For maximum earning potential and premium features, the KOHO Everything Mastercard delivers the highest cash back rates, removes foreign transaction fees, and includes the most comprehensive savings and travel benefits in KOHO\u2019s lineup.<\/p>\n<p>It earns 2% cash back on groceries, dining, and transportation, plus 0.5% on all other purchases, while offering 1 free global ATM withdrawal per month, priority support, and up to 3.5% interest on account balances.<\/p>\n<p>The card\u2019s credit building add-on is discounted to $5 per month and reports directly to Equifax. With an annual cost of about $177, frequent travelers and high spenders easily recoup the fee through rewards and FX savings.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Overall<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">KOHO Prepaid Mastercard Everything<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/64777971f609c55e29d0a622_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>A feature-rich prepaid card that delivers strong cash back, zero FX fees and high interest on balances for users who want maximum everyday value without traditional credit.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$281<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-64777971f609c55e29d0a622')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$246<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-64777971f609c55e29d0a622')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $177<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"font-light\">(First year rebated)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>KOHO\u2019s most complete plan combines premium earning power, travel perks, and savings benefits in one cost-effective package.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Frequent travelers and high spenders who want top-tier rewards and zero FX fees.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You prefer a free plan or do not spend heavily in 2% categories.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>KOHO Extra Mastercard:<\/em> Lower-cost plan with solid travel perks.<\/li>\n<li><em>KOHO Essential Mastercard:<\/em> Budget-friendly choice for new users or rebuilders.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-everything-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \" >Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-64777971f609c55e29d0a622'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/64777971f609c55e29d0a622_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Everything &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$443<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$6<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$144<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$33<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$20<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$162.25<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$280.75<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-64777971f609c55e29d0a622'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/64777971f609c55e29d0a622_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Everything &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$423<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$6<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$144<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$120<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$33<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$177<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$246<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_2\" class=\" bg-white relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best KOHO Credit Card for <span>Credit Building<\/span><\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>KOHO offers a simple and accessible way for Canadians to build or rebuild their credit using a prepaid structure rather than traditional borrowing.<\/p>\n<p>Its plans integrate Equifax reporting, modest cash back, and savings features that help users strengthen their credit profile while avoiding the risk of carrying a balance.<\/p>\n<p>In the credit-building category, the top choice is the plan that offers the best combination of affordability, reliable reporting, and everyday value.<\/p>\n<p>This option provides an approachable path for newcomers, students, and rebuilders who want to improve their credit while still earning rewards on routine purchases.<\/p>\n<h3>Winner: KOHO Essential Mastercard<\/h3>\n<p>The KOHO Essential Mastercard is the best option for Canadians looking to build or repair their credit history affordably.<\/p>\n<p>It includes KOHO\u2019s Credit Building feature (normally $10 per month) with Equifax reporting, and the monthly plan fee of $4 is waived with a $1,000 direct deposit or recurring load.<\/p>\n<p>The card earns 1% cash back on groceries, dining, and transportation, and offers 2.5% interest on savings balances.<\/p>\n<p>This structure makes it a low-cost path to establishing credit while earning modest rewards and maintaining financial flexibility.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Credit Building<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">KOHO Prepaid Mastercard Essential<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>An accessible prepaid card that offers affordable credit building with Equifax reporting along with modest cash back and savings features.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$164<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-637cf8206bbb7962c19ae225')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$144<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-637cf8206bbb7962c19ae225')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $48<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>The most affordable way to build credit in Canada, offering real rewards, fee waivers, and consistent credit reporting.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Newcomers and rebuilders seeking to establish credit without paying high monthly fees.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You want higher cash back rates or travel features.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>KOHO Extra Mastercard:<\/em> Adds travel benefits and higher earn rates.<\/li>\n<li><em>Neo Secured Mastercard:<\/em> Another strong option for credit building with partner rewards.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-essential-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-637cf8206bbb7962c19ae225'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Essential &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$212<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$72<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$20<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$48<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$164<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-637cf8206bbb7962c19ae225'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Essential &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$192<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$72<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$48<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$144<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_3\" class=\" bg-surface-blue relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best KOHO Credit Card for <span>Travel<\/span><\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>KOHO offers practical travel benefits through its subscription plans, giving users features like no foreign transaction fees, higher earn rates on dining and transportation, and free international ATM access.<\/p>\n<p>These perks create a compelling alternative for Canadians who want travel-friendly value without committing to a traditional premium credit card.<\/p>\n<p>In the travel category, the leading plan is the one that combines everyday rewards with meaningful international perks at a reasonable cost.<\/p>\n<p>It is well suited for users who travel regularly and want simple, predictable savings on purchases made at home and abroad.<\/p>\n<h3>Winner: KOHO Extra Mastercard<\/h3>\n<p>The KOHO Extra Mastercard strikes the ideal balance between rewards and travel perks for Canadians who want value without the premium plan cost.<\/p>\n<p>It eliminates foreign transaction fees, includes 1 free international ATM withdrawal per month, and earns 1.5% cash back on dining and transportation (home or abroad) plus 0.25% on all other purchases.<\/p>\n<p>Users also earn 3% interest on their KOHO balance, and can add the Credit Building feature for $7 per month, discounted from the standard rate.<\/p>\n<p>The plan costs about $144 annually when billed annually, making it an accessible travel-friendly choice.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best Travel<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">KOHO Prepaid Mastercard Extra<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/604ab1cc9a9ad159d2058e9c_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>A travel-friendly prepaid card that offers cash back, zero foreign transaction fees and useful international perks at an affordable annual cost.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$196<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-604ab1cc9a9ad159d2058e9c')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$164<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-604ab1cc9a9ad159d2058e9c')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $144<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"font-light\">(First year rebated)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Combines strong travel rewards, zero FX fees, and affordable pricing, creating one of Canada\u2019s best travel fintech cards.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Travelers who want cash back and savings perks without paying for a full premium plan.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You rarely travel or prefer free credit card options.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>KOHO Everything Mastercard:<\/em> Premium-level perks and higher rewards for frequent travelers.<\/li>\n<li><em>Wealthsimple Cash Card:<\/em> No-fee debit alternative with cashback flexibility.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-extra-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-604ab1cc9a9ad159d2058e9c'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/604ab1cc9a9ad159d2058e9c_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Extra &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$327.56<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$3<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$90<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$108<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$90<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$16.56<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$20<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$132<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$195.56<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-604ab1cc9a9ad159d2058e9c'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/604ab1cc9a9ad159d2058e9c_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Extra &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$307.56<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$3<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$90<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$108<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$90<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$16.56<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$144<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$163.56<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section x-data=\"cardDetails\" id=\"anchor_4\" class=\" bg-white relative overflow-hidden section-p\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head mb-21 lg:mb-15 mx-auto 2xl:mx-0 max-w-[900px] 2xl:max-w-180\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-20 text-center 2xl:text-left\">Best <span>No-Fee<\/span> KOHO Credit Card<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"2xl:flex items-start gap-20\">\n\t\t\t<div class=\"prose prose-primary mb-12 2xl:mb-0 max-w-[900px] mx-auto 2xl:w-1\/2 2xl:max-w-180\">\n\t\t\t\t<p>For Canadians who want a simple, low-cost way to earn rewards and save on everyday spending, KOHO\u2019s no-fee tier offers strong baseline value without requiring a monthly subscription.<\/p>\n<p>It\u2019s well suited for students, newcomers, and light spenders who want to manage money, earn modest cash back, and build healthy financial habits at no cost.<\/p>\n<p>Within KOHO\u2019s lineup, the no-fee option provides the most accessible path to everyday rewards and savings features without committing to a paid plan.<\/p>\n<h3>Winner: KOHO Essential Mastercard<\/h3>\n<p>The KOHO Essential Mastercard is the best (and only) no-fee option in KOHO\u2019s lineup, offering 1% cash back on groceries, dining, and transportation, plus 2.5% interest on savings balances.<\/p>\n<p>The $4 monthly fee is automatically waived with a $1,000 monthly direct deposit or recurring load, allowing users to enjoy premium-like benefits at no cost.<\/p>\n<p>This plan also supports KOHO\u2019s Credit Building feature, enabling Equifax reporting to help users improve or establish credit over time.<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"bg-white p-5 lg:px-13 lg:py-15 rounded-lg max-w-[900px] mx-auto 2xl:mx-0\">\n\t\t\t\t<div class=\"lg:flex gap-11 items-start mb-6 lg:mb-12\">\n\t\t\t\t\t<div class=\"border-b pb-3 grow mb-13 lg:mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"tag mb-4 lg:mb-12\">Best No-Fee<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-xl lg:text-2xl font-regular\">KOHO Prepaid Mastercard Essential<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" class=\"order-first w-full max-w-[425px] lg:max-w-[215px] h-auto\" alt=\"\">\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none mb-15 lg:mb-10\">\n\t\t\t\t\t\t<p>A simple no-fee prepaid card that offers steady cash back, interest on savings and optional credit building for users who want everyday value at zero cost.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"text-center grid lg:grid-cols-2 gap-4\">\n\t\t\t\t\t<div class=\"relative  bg-primary-accent text-white font-medium rounded-sm p-4 lg:p-8 flex flex-col items-center justify-center\">\n\t\t\t\t\t\t<span class=\"text-[42px] lg:text-[70px] leading-none\">$164<\/span>\n\t\t\t\t\t\t<span class=\"text-sm lg:text-2xl\">first year value<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-fyv-637cf8206bbb7962c19ae225')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info-white.CFQHZoCo.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative bg-surface-pink xs:text-lg lg:text-2xl rounded-sm p-2 lg:p-8 flex flex-col items-center justify-between font-medium\">\n\t\t\t\t\t\t<span class=\"mb-7 lg:mb-10\">Subsequent years estimated value<\/span>\n\t\t\t\t\t\t<span class=\"lg:text-xl\">$144<\/span>\n\t\t\t\t\t\t<img decoding=\"async\" @click=\"openModal('cc-cyv-637cf8206bbb7962c19ae225')\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/info.BWfkIwl0.svg\" class=\"p-1 w-6 h-6 lg:w-7 lg:h-7 cursor-pointer absolute top-1.5 right-1.5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mt-4 text-center bg-surface-pink rounded-sm xs:text-lg lg:text-2xl p-4 lg:p-8 flex flex-col items-center justify-center font-medium mb-12\">\n\t\t\t\t\t<div class=\"mb-2\">\n\t\t\t\t\t\t<span>Annual Fees: $48<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mt-3\">\n\t\t\t\t\t\t<span>Interest Rates:<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-col mt-2\">\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on purchase<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on cash advance<\/span> <\/span>\n\t\t\t\t\t\t\t<span>0% <span class=\"font-light\">on balance transfer<\/span> <\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div x-show=\"isOpen\" x-transition.opacity.scale.duration.300ms x-cloak class=\"prose prose-primary max-w-none pb-10\">\n\t\t\t\t\t<p><strong>Why it wins:<\/strong><\/p>\n<p>Delivers the best blend of flexibility, savings, and accessibility for fee-averse users who still want cash back and credit support.<\/p>\n<p><strong>Best for:<\/strong><\/p>\n<p>Students, newcomers, and light spenders looking for an easy, no-fee rewards option.<\/p>\n<p><strong>Not ideal if:<\/strong><\/p>\n<p>You spend heavily in higher-earning categories or need travel benefits.<\/p>\n<p><strong>Alternatives to compare:<\/strong><\/p>\n<ul>\n<li><em>KOHO Extra Mastercard:<\/em> Adds travel perks and higher cash back rates for a modest annual cost.<\/li>\n<li><em>Neo Mastercard:<\/em> Strong no-fee alternative with merchant-specific rewards averaging around 5%.<\/li>\n<\/ul>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"relative pt-7 flex flex-wrap gap-4 items-center justify-between border-t\">\n\t\t\t\t\t<span class=\"absolute -top-7 right-0 text-primary-accent font-medium underline cursor-pointer\" @click=\"toggle()\" x-text=\"getToggleLabel()\">+ More details<\/span>\n\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare-credit-cards\/koho\/koho-essential-card\/\" class=\"whitespace-nowrap button-link-base button-link-outline \">Learn More<\/a>\n\t\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-base button-link-filled \" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-fyv-637cf8206bbb7962c19ae225'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Essential &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for the first year<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$212<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$72<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Additional Bonus:<\/strong> \n                    <span>$20<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$48<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$164<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n\t\t<!-- Trigger (optional). Wrap with x-data -->\n\t\t\n\t\t<!-- Modal Root -->\n\t\t<div x-data x-show=\"$store.modal.active === 'cc-cyv-637cf8206bbb7962c19ae225'\" \n\t\t\tx-cloak  \n\t\t\tx-transition.opacity class=\"fixed inset-0 z-50 flex items-center justify-center bg-black\/60 backdrop-blur-sm \" \n\t\t\t@keydown.escape.window=\"$store.modal.close()\" \n\t\t\t@click.self=\"$store.modal.close()\">\n\t\t\t<!-- Modal Panel -->\n\t\t\t<div x-transition.scale class=\"relative bg-white rounded-md w-full max-w-lg mx-4 p-4 relative max-h-[90vh] flex flex-col\">\n\t\t\t\t<!-- Close Button -->\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/close-circle.jdv_hBwX.svg\" @click=\"$store.modal.close()\" class=\"p-1 w-7 h-7 lg:w-8 lg:h-8 absolute top-2 right-2 cursor-pointer\">\n\n\t\t\t\t<!-- Title -->\n\t\t\t\t\n\t\t\t\t<!-- Body -->\n\t\t\t\t<div class=\"flex-1 overflow-y-auto p-4\">\n\t\t\t\t\t        <div class=\"flex gap-3\">\n            <img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_card\" class=\"max-w-[100px] h-auto\" alt=\"\">\n            <span class=\"font-medium text-base\">KOHO Prepaid Mastercard Essential &#8211; KOHO Financial<\/span>\n        <\/div>\n\n        <div class=\"mt-10\">\n            <p class=\"font-medium mb-5\">Estimated rewards for subsequent years<sup>*<\/sup><\/p>\n\n            <div class=\"flex justify-between mb-2\">\n                <strong>Total Reward:<\/strong>\n                <span>$192<\/span>\n            <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Entertainment:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Gas:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Groceries:<\/strong> \n                    <span>$72<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Restaurants:<\/strong> \n                    <span>$60<\/span>\n                <\/div>\n                            <div class=\"flex justify-between mb-1\">\n                    <strong>Other:<\/strong> \n                    <span>$0<\/span>\n                <\/div>\n                        <div class=\"flex justify-between mb-1\">\n                <strong>Annual Fee:<\/strong>\n                <span>$48<\/span>\n            <\/div>\n\n            <div class=\"flex justify-between mt-2\">\n                <strong>Total:<\/strong>\n                <span>$144<\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"mt-5 pt-3 border-t text-xxs\">\n            <sup>*<\/sup> The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants,\n             or on the amounts entered by the user in the expense calculator on this page, if provided.        <\/div>\n\n        \t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<\/section>\n\n\n<section class=\" bg-surface-pink py-8 shadow-(--shadow)\">\n\t<div class=\"container-wide flex items-center gap-5\">\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-150x150.webp\" width=\"80\" height=\"80\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-300x300.webp 2x\" alt=\"Mathieu Laliberte-Robert\" class=\"avatar avatar-80 wp-user-avatar wp-user-avatar-80 alignnone photo rounded-full\" \/>\t\t<div class=\"flex flex-col gap-1 text-sm\">\n\t\t\t<span>Written by <strong>Mathieu Laliberte-Robert<\/strong><\/span>\n\t\t\t<span>Updated on <strong>April 8, 2026<\/strong><\/span>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_5\" class=\" section-p\">\n\t<div class=\"container-wide bg-white section-p rounded\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">KOHO Credit Card Plans <span>Detailed Comparison<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Understanding the complete feature set across KOHO plans helps determine which prepaid credit card delivers optimal value for your spending patterns and financial goals.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div class=\"px-5 sm:px-10 lg:px-20 xl:px-10 3xl:px-0 xl:max-w-[var(--container-default-2xl)] mx-auto\">\n\t\t\t<div x-data=\"horizontalScrollShadows\" x-init><div x-ref=\"scroller\" @scroll.passive=\"onScroll\" class=\"overflow-x-auto\"><table class=\"simple-table\"><thead><tr><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Feature<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Essential<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Extra<\/span>\n                <\/span>\n            <\/th><th scope=\"col\">\n                <span class=\"table-header\">\n                    <span>Everything<\/span>\n                <\/span>\n            <\/th><\/tr><\/thead><tbody><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Monthly Cost<\/th><td>$4 ($0 with waiver)<\/td><td>$144 annual\/$18 monthly<\/td><td>$177 annual\/$22 monthly<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Cash Back &#8211; Categories<\/th><td>1%<\/td><td>1.5%<\/td><td>2%<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Cash Back &#8211; Other<\/th><td>0%<\/td><td>0.25%<\/td><td>0.5%<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Interest Rate<\/th><td>2.5%<\/td><td>3%<\/td><td>Up to 3.5%<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Foreign Transaction Fees<\/th><td>1.5%<\/td><td>0%<\/td><td>0%<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Credit Building Cost<\/th><td>$10\/mo<\/td><td>$7\/mo<\/td><td>$5\/mo<\/td><\/tr><tr class=\"bg-surface-pink\"><th scope=\"row\" class=\"font-regular\">Free International ATM<\/th><td>No<\/td><td>1\/month<\/td><td>1\/month<\/td><\/tr><tr class=\"\"><th scope=\"row\" class=\"font-regular\">Priority Support<\/th><td>No<\/td><td>No<\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/div><\/div>\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n\n<section id=\"anchor_6\" class=\" section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Pros &#038; <span>Cons<\/span><\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<div class=\"grid lg:grid-cols-2 gap-6 lg:gap-20\">\n\t\t\t\t\t\t\t\t\t<div class=\"rounded-sm p-8 lg:p-10 bg-surface-green\">\n\t\t\t\t\t\t<h6 class=\"text-center mb-10 lg:mb-12\"><span class=\"tag text-primary-dark\">Pros<\/span><\/h6>\n\t\t\t\t\t\t<ul class=\"xl:text-2xl\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u2705 No credit check or debt risk with instant approval and prepaid balance control.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u2705 CDIC insurance protection through Peoples Trust up to $100,000.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u2705 Cash back rewards on everyday purchases plus credit-building options for all users.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u2705 Robust digital banking tools including budgeting, savings goals, and real-time spending insights.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u2705 High interest on balances and unlimited fee-free transactions.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"rounded-sm p-8 lg:p-10 bg-surface-pink\">\n\t\t\t\t\t\t<h6 class=\"text-center mb-10 lg:mb-12\"><span class=\"tag text-primary-dark\">Cons<\/span><\/h6>\n\t\t\t\t\t\t<ul class=\"xl:text-2xl\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u274c Limited acceptance at some merchants, car rentals, and hotels requiring credit authorization.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u274c App-based customer support with no in-person service options.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u274c Credit building feature requires an additional monthly fee.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u274c Lower maximum earn rates than traditional premium credit cards.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"mb-4 lg:mb-7 last:mb-0\">\u274c Prepaid structure lacks credit limits and cash advance features.<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_7\" class=\" section-p rounded\">\n\t<div class=\"container\">\n\t\t\t\t<header class=\"section-head-center\">\n\t\t\t<h2 class=\"capitalize tracking-[-2px] mb-20\">KOHO <span>Credit Building<\/span> Features Deep Dive<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"bg-surface-blue py-11 px-9 lg:p-20 rounded prose prose-primary max-w-[var(--section-head-w)] mx-auto\">\n\t\t\t<p>KOHO\u2019s credit building programs help users establish or rebuild credit history by reporting account activity directly to credit bureaus.<\/p>\n<p>This approach eliminates debt risk and approval barriers, allowing Canadians to build credit without a traditional credit card.<\/p>\n<p>The program works by tracking your account activity and reporting positive payment behaviors to Equifax, one of Canada\u2019s main credit bureaus.<\/p>\n<p>Unlike secured or unsecured credit cards that require deposits or prior credit approval, KOHO\u2019s prepaid system contributes to your credit history while keeping spending limited to your own funds.<\/p>\n<p>KOHO offers three plan options: the <strong>Essential Plan<\/strong> includes standard credit building for $10 per month, often waived with eligible benefits; the <strong>Extra Plan<\/strong> reduces the cost to $7 per month (a 30% savings); and the <strong>Everything Plan<\/strong> provides the lowest rate at $5 per month (a 50% discount).<\/p>\n<p>Credit improvements typically appear within three to six months of consistent activity. Those with little or no credit history may see progress sooner than those rebuilding after past delinquencies.<\/p>\n<p>Because KOHO reports account management behaviors rather than credit utilization, results depend on consistent deposits, regular spending, and responsible account maintenance.<\/p>\n<p>Compared with traditional secured cards, such as the Neo Secured Mastercard or bank-issued secured Visa products that require a $200-$500 security deposit, KOHO builds credit using your existing prepaid balance and requires no collateral.<\/p>\n<p>While secured cards may yield slightly faster results, they involve credit checks and potential interest charges, making KOHO a lower-risk, more accessible option for steady, long-term credit growth.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_8\" class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Foreign<\/span> Transaction Fees Analysis<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Foreign exchange fees significantly impact the value proposition for each KOHO plan, particularly for frequent travelers or online shoppers purchasing from international merchants.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([0])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">KOHO Essential: 1.5% Foreign Transaction Fees<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Essential users pay 1.5% on all foreign currency purchases, lower than the typical 2.5% charged by most Canadian credit cards but still meaningful for regular international spending. A $1,000 foreign purchase costs an additional $15 in exchange rate markups.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">KOHO Extra and Everything: No Foreign Transaction Fees<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Both premium plans eliminate foreign exchange fees entirely, providing immediate savings on international purchases, USD online shopping, and travel expenses. This benefit alone can justify plan upgrades for users spending $2,000+ annually in foreign currencies.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Break-Even Analysis<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Upgrading from Essential to Extra costs $144 annually but saves 1.5% on foreign purchases. Break-even occurs at $9,600 in foreign spending per year. For Everything, the additional $33 annual cost over Extra requires minimal foreign spending to justify given the higher cash back rates on other categories.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">International ATM Policies<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Extra and Everything plans include one free international ATM withdrawal monthly, typically saving $3-5 per transaction in network fees. Essential users pay standard ATM fees when accessing cash abroad.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n\n<section id=\"anchor_9\" class=\" section-p\">\n\t<div class=\"container-wide section-p rounded xl:bg-surface-green\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Maximizing KOHO Credit Card <span>Rewards<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>KOHO\u2019s prepaid credit cards offer multiple ways to increase cash back earnings and overall value. By aligning your spending habits, monitoring promotions, and taking advantage of savings features, you can maximize the benefits of your KOHO plan.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ol class=\"bg-surface-green rounded p-7 py-12 lg:px-10 lg:py-14 xl:pb-0 grid lg:max-w-[var(--container-default-2xl)] lg:mx-auto lg:grid-cols-2 auto-rows-auto gap-x-20 gap-y-16 xl:gap-y-20 xl:gap-x-32\">\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">01<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Optimal Spending Strategies<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Focus your KOHO card spending on the highest-earning categories. The Essential plan earns 1% on groceries, dining, and transportation, the Extra plan increases this to 1.5%, and the Everything plan offers 2%. For categories earning 0% or 0.25% on lower-tier plans, consider using other payment methods unless you prefer the simplicity of using one card for all purchases.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">02<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Partner Merchant Bonus Opportunities<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>KOHO frequently runs bonus cash back promotions at partner retailers, sometimes boosting rewards by up to 50% over the base rate. Check the KOHO app regularly for these rotating offers at grocery stores, restaurants, and popular service providers to maximize returns during promotional periods.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">03<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Interest Earnings Strategy<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Maintaining a higher balance in your KOHO account increases your overall return since balances earn interest at 2.5% on the Essential plan, 3% on the Extra plan, and up to 3.5% on the Everything plan. This adds meaningful passive income, particularly for users who keep larger balances for savings goals or major purchases.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">04<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">RoundUps and Automation<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Enable RoundUps to automatically round purchases to the nearest dollar and save the spare change toward your savings goals. This simple feature builds interest-bearing savings over time while complementing your cash back earnings.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">05<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Referral Program Benefits<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>KOHO\u2019s referral program offers $20 for each successful referral, up to $1,000 per year. Referring friends and family who are looking for flexible and low-cost financial tools can add significant bonus value to your annual rewards.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_10\" class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">KOHO vs <span>Alternative<\/span> Prepaid and Credit Cards<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Comparing KOHO prepaid credit cards against traditional secured cards and competing fintech products highlights distinct advantages for specific user profiles.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([0])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">KOHO vs. Neo Secured Mastercard<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Neo secured mastercard requires a $500-$2,500 security deposit and functions as a true credit card with potential interest charges. KOHO eliminates deposit requirements and debt risk but offers lower maximum earning rates. Neo may build credit faster through traditional utilization reporting, while KOHO provides more comprehensive budgeting tools and interest earnings.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">KOHO vs. EQ Bank Card<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>EQ Bank offers higher savings account interest rates but lacks structured cash back rewards and credit building features. KOHO prepaid cards provide integrated reward earning and spending tracking within a single platform, better serving users seeking comprehensive financial management.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">KOHO vs. Traditional Bank Secured Cards<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Major bank secured credit cards typically require $300-1,000 deposits, annual fees, and credit applications. KOHO\u2019s prepaid structure provides immediate access without approval delays or security deposits, making it ideal for newcomers to Canada or those with limited banking relationships.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">When to Choose KOHO<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Select KOHO prepaid credit cards when prioritizing debt risk elimination, instant account access, transparent fee structures, or integrated budgeting tools. Traditional credit cards may better serve users with established credit seeking maximum reward rates or requiring larger spending limits.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n\n<section id=\"anchor_11\" class=\" section-p\">\n\t<div class=\"container-wide section-p rounded xl:bg-surface-green\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>How to Choose<\/span> the Right KOHO Credit Card Plan<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Selecting the optimal KOHO prepaid credit card requires analyzing spending patterns, travel habits, and credit building priorities against each plan\u2019s cost structure.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ol class=\"bg-surface-green rounded p-7 py-12 lg:px-10 lg:py-14 xl:pb-0 grid lg:max-w-[var(--container-default-2xl)] lg:mx-auto lg:grid-cols-2 auto-rows-auto gap-x-20 gap-y-16 xl:gap-y-20 xl:gap-x-32\">\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">01<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Assess Spending in Cash Back Categories<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Calculate monthly spending on groceries, eating, drinking and transportation to determine potential earnings. Essential and Extra users earning $15-30 monthly in these categories may justify higher plan costs, while light spenders benefit from Essential\u2019s lower fee structure.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">02<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Evaluate Interest Earning Potential<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Consider typical KOHO account balances when comparing interest rates across plans. Users maintaining $5,000+ balances earn meaningful additional income from Everything\u2019s 3.5% rate compared to Essential\u2019s 2.5%, potentially offsetting higher monthly fees.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">03<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Calculate Foreign Transaction Impact<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Estimate annual foreign currency spending from travel, online shopping, and international services. Users spending $3,000+ annually in foreign currencies typically benefit from Extra or Everything plans\u2019 zero foreign exchange fees.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">04<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Determine Credit Building Value<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Assess the importance of credit history development against program costs. Newcomers to Canada or those rebuilding credit may find Essential\u2019s integrated benefits or Everything\u2019s discounted rate worthwhile for long-term financial health.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"flex flex-col lg:flex-row items-start gap-3 lg:gap-7\">\n\t\t\t\t\t\t<span class=\"tag--filled\">05<\/span>\n\t\t\t\t\t\t<div class=\"lg:pt-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"mb-9 lg:mb-10\">Consider Total Cost vs. Benefits<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"xl:text-xl\">\n\t\t\t\t\t\t\t\t<!-- wysiwyg. Can use `prose` -->\n\t\t\t\t\t\t\t\t<p>Compare annual plan costs against estimated cash back earnings, interest income, and foreign transaction savings. Most users find break-even points between $8,000-15,000 annual spending depending on category mix and international purchase frequency.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/div>\n<\/section>\n\n\n<section id=\"anchor_12\" class=\" bg-white section-p\">\n\t<div class=\"container\">\n\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Frequently Asked Questions<\/span> about KOHO Credit Cards<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<ul x-data=\"accordionGroup([0])\">\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(0)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Is KOHO a real credit card or just a prepaid card?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(0)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(0)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(0)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>KOHO offers prepaid mastercard credit cards that function like traditional credit cards for purchases but operate from preloaded balances rather than borrowed money. You cannot spend more than your account balance, eliminating debt risk while providing cash back rewards and credit building opportunities.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(1)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">How does KOHO help build credit without a traditional credit line?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(1)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(1)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(1)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>KOHO credit building programs report your account management behaviors to Equifax, including consistent deposits, spending patterns, and account maintenance. This positive activity contributes to credit history development without requiring credit approval or debt utilization.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(2)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">What\u2019s the maximum amount I can load onto a KOHO card?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(2)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(2)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(2)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>KOHO doesn\u2019t use a single overall loading limit. Instead, each deposit method has its own velocity rules that cap how much you can add per transaction and per 24-hour period. Typical limits include $3,000 per day for cash or debit loads, and up to $10,000 per day for inbound Interac e-Transfers. KOHO-to-KOHO transfers generally allow up to $3,000 per day, while direct deposit limits vary based on whether your account is fully verified.<\/p>\n<p>You can view your exact loading limits at any time in the KOHO app by selecting Profile \u2192 Account velocity limits. Unverified accounts face lower caps, and large cash deposits over $10,000 may trigger required FINTRAC reporting.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(3)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Can I use KOHO for car rentals and hotel bookings?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(3)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(3)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(3)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Some car rental agencies and hotels may not accept prepaid cards due to authorization hold requirements exceeding account balances. Contact merchants directly to confirm prepaid card acceptance or consider using KOHO for other travel expenses like flights and dining.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(4)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">How long does it take to see credit score improvements with KOHO?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(4)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(4)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(4)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Credit building typically shows initial results within 3-6 months of consistent program participation. Users with limited credit history may see faster improvements compared to those recovering from negative credit events, though individual results vary based on overall credit profile.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(5)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">Are KOHO deposits safe and insured?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(5)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(5)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(5)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Yes, KOHO accounts receive CDIC insurance protection up to $100,000 through partnership with Peoples Trust, providing the same deposit security as traditional bank accounts for eligible deposits.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"mb-5 rounded bg-surface-blue hover:shadow-(--shadow) transition-shadow duration-300\">\n\t\t\t\t\t\t<div @click=\"toggle(6)\" class=\"flex justify-between items-center gap-5 lg:gap-11 min-h-[150px] pl-8 lg:p-12 pr-5 lg:pr-11 cursor-pointer\">\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t<h4 class=\"text-xl lg:text-2xl flex-grow\">How do I contact KOHO customer support?<\/h4>\n\n\t\t\t\t\t\t\t<span x-show=\"!isOpen(6)\" class=\"shrink-0 flex items-center justify-center border-1-primary rounded-full w-[45px] h-[45px]\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/plus.DA-S4See.svg\" width=\"17\" height=\"17\" alt=\"Open expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span x-show=\"isOpen(6)\" class=\"shrink-0 flex items-center justify-center bg-white rounded-full w-[45px] h-[45px]\" >\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/minus.D5WUGqkk.svg\" width=\"17\" height=\"17\" alt=\"Close expandable\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div x-show=\"isOpen(6)\" x-transition>\n\t\t\t\t\t\t\t<div class=\"prose prose-primary max-w-none lg:prose-xl pb-9 pl-8 pr-20 lg:pl-12 lg:pr-26\"><p>Primary support operates through the KOHO app\u2019s help center and chat features, with additional email support for complex issues. Everything plan subscribers receive priority support with faster response times for account and technical questions.<\/p>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\n\t\t\n\t<\/div>\n<\/section>\n\n\n\n<section  class=\"section-p sticky-cta-start sticky-toc-end\">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Final <span>Thoughts<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>KOHO has become one of Canada\u2019s most accessible and transparent financial platforms, offering a modern alternative to traditional credit cards.<\/p>\n<p>Its prepaid Mastercard lineup provides flexible options for different needs, from Essential\u2019s no-fee plan for everyday users to Everything\u2019s higher cash back rates and travel-friendly benefits.<\/p>\n<p>With features like credit building, interest on balances, and budgeting tools built into an easy-to-use app, KOHO delivers genuine value without the debt risk of conventional credit products.<\/p>\n<p>For Canadians looking to earn rewards, build credit, and manage their money more efficiently, KOHO is a smart and practical choice.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/compare\/credit-cards\/?cc_ii%5B%5D=604aa4ed9a9ad159d2058e9b\" class=\"whitespace-nowrap button-link-base button-link-filled mt-8\" target=\"_self\">Compare KOHO Credit Cards<\/a>\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/11\/credit-cards-illustration.svg\" class=\"w-full h-auto max-w-[600px] mx-auto rounded-sm\" alt=\"credit-cards-illustration\" loading=\"lazy\" \/>\t\t\t<\/div>\n<\/section>\n\n\n<section class=\" section-p\">\n\t<div class=\"container-wide bg-surface-pink relative section-p px-5 sm:px-10 lg:px-20 rounded relative lg:flex items-start gap-20\">\n\t\t<div class=\"shrink-0\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-300x300.webp\" width=\"190\" height=\"190\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2025\/03\/Mathieu-LR-768x768.webp 2x\" alt=\"Mathieu Laliberte-Robert\" class=\"avatar avatar-190 wp-user-avatar wp-user-avatar-190 alignnone photo rounded-full mb-7 lg:mb-0\" \/>\t\t<\/div>\n\t\t<div class=\"grow\">\n\t\t\t<div class=\"flex items-end justify-between mb-4 border-b pb-4\">\n\t\t\t\t<h6 class=\"leading-none text-2xl\">Mathieu Laliberte-Robert<\/h6>\n\n\t\t\t\t\t\t\t\t\t<div class=\"absolute lg:static top-16 right-6 items-end flex flex-col lg:flex-row gap-4\">\n\t\t\t\t\t\t<a href=\"mailto:info@plutera.ca\" class=\"whitespace-nowrap button-link-sm-base button-link-outline \" >Email<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"mt-8 2xl:flex items-start justify-between\">\n\t\t\t\t\t\t\t\t\t<p class=\"2xl:max-w-[800px]\">Mathieu is a finance and digital marketing professional with experience across banking, investment services, and financial product marketing. He previously worked with organizations such as National Bank, Manulife Securities, and Accenture. He is part of the leadership team at Hardbacon, where he contributes to editorial strategy and financial content aimed at helping Canadians make informed decisions.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section  class=\" bg-white section-p overflow-hidden\">\n\t<div class=\"container-wide\">\n\t\t\t\t\t<header class=\"section-head-center mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\"><span>Insights<\/span> and Useful Articles<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Hardbacon makes managing your money easier by combining comprehensive financial tools, unbiased comparisons and personalized insights.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t<div x-data=\"tabs(0)\">\n\t\t\t<div class=\"flex flex-wrap justify-center gap-4 lg:gap-6 mb-20 lg:mb-24 borer-b border-primary-dark\">\n\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 0 )\" :class=\"isActive( 0 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Credit Cards<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 1 )\" :class=\"isActive( 1 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Banking<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 2 )\" :class=\"isActive( 2 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Budget<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 3 )\" :class=\"isActive( 3 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Investing<\/button>\t\t\t\t\t\t\t\t\t<button  class=\"whitespace-nowrap button-link-sm-base button-link-outline font-regular \" @click=\"setTab( 4 )\" :class=\"isActive( 4 ) ? &#039;bg-primary-accent text-white font-medium&#039; : &#039;&#039;\">Financial planning<\/button>\t\t\t\t\t\t\t<\/div>\n\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(0)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/wealthsimple-cash-review-2021-go-or-no-go\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Wealthsimple prepaid card showed on an iPhone screen and besides is a pile of coins\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/10\/Wealthsimple-Prepaid-Card.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Wealthsimple Prepaid Mastercard: My Experience with Wealthsimple Chequing account                <\/h3>\n\n                                    <p class=\"excerpt\">Wealthsimple is a Canadian fintech known for its investment app. Today, it offers many other products. I&#8217;ve had a Wealthsimple account for several years and applied for the Wealthsimple prepaid Mastercard in August 2025. How does it compare with the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/koho-visa-vs-wealthsimple-cash\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"KOHO prepaird card on the left againts yellow background and Wealthsimple Cash card on the right against a blue background\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/04\/KOHO-vs-Wealthsimple.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO Mastercard Versus Wealthsimple Cash: Which Prepaid Card Is Right for You?                <\/h3>\n\n                                    <p class=\"excerpt\">KOHO and Wealthsimple are some of the first names that come to mind when you think of prepaid cards in Canada. These two companies are often compared despite the fact that they are not similar. On the one hand, KOHO\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/black-card\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"black credit cards\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/pexels-cottonbro-3944405.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Best Black Credit Cards in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Black credit cards are the ultimate status symbol. Often rare and exclusive, they\u2019re designed for the rich and are considered prestigious. Plus, they come with some great perks including special discounts and premium benefits not available with a standard card.\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/easiest-credit-card-to-get-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1024x576.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Credit Cards\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1024x576.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-300x169.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-768x432.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-1536x864.jpg 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/08\/piggybank-oqkmdriPiHM-unsplash-scaled-1-2048x1152.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Easiest Credit Cards to Get in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Qualifying for a new credit card can be tough. What are the easiest credit cards to get in Canada? Whether you have insufficient credit history or a poor credit score, it can be difficult to determine exactly which cards you\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/costco-credit-card\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"New CIBC Costco Credit Card\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/cibic-1.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Credit Cards<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The CIBC Costco Credit Card: Benefits and Alternatives                <\/h3>\n\n                                    <p class=\"excerpt\">The CIBC Costco credit card comes with great rewards and can reduce your bill if you shop at Costco often. But if you shop at several different locations, take the time to compare it to other store credit cards. Quick\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/credit-cards\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(1)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/easiest-bank-to-get-a-loan-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Logos of various banks and credit cards displayed together, representing financial institutions.\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/easiest-bank-to-get-a-loan-canada.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Easiest Banks to Get a Loan From in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">If you have ever found yourself in need of a personal loan, you probably found that different banks have different criteria for being approved. When you are in a financial pinch, you want to know exactly which institution will approve\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/koho-vs-eq-bank\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"KOHO vs EQ Bank\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-EQ-Bank-300x200.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO vs EQ Bank: Which One Takes the Crown?                <\/h3>\n\n                                    <p class=\"excerpt\">It\u2019s time to compare two of Canada\u2019s leading neobanks &#8211; KOHO vs EQ Bank. Loyalty is an excellent quality to have, except when it comes to your cash. Sticking to one of the Big Five without exploring other options is\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/best-bank-for-students-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Best Banks for Students in Canada\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/Best-student-bank-account-Canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 10 Best Banks for Students in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">The best bank for students in Canada shouldn\u2019t just give you a free account with unlimited transactions, it should reward you too. Why? Because people rarely change banks, even when there are better deals out there. That makes you a\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/koho-vs-neo-financial\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Koho vs Neo Financial\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/06\/KOHO-vs-NEO-Cover.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    KOHO vs Neo Financial: Who Wins the Battle for Your Buck?                <\/h3>\n\n                                    <p class=\"excerpt\">Both KOHO and Neo are Canadian fintech startups that offer out-of-the-box digital banking services. These two platforms are becoming increasingly popular among millennials and younger Canadians because they provide an alternative to traditional banking with low or no fees, a\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/banking\/online-banks\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Online Banks\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Untitled-design-48.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Banking<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 6 Best Online Banks in Canada for 2024                <\/h3>\n\n                                    <p class=\"excerpt\">Online banks are digital institutions that do not rely on physical branches. With lower operating costs than their brick-and-mortar counterparts, online banks are able to pass the savings on to us in the form of lower fees and higher interest\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/banking\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(2)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/tariffs-canada-what-costs-more\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-300x200.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/09\/tariffs-label-check-flags-3-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Tariffs in Canada, explained: which ones actually raise your prices (and what to do)                <\/h3>\n\n                                    <p class=\"excerpt\">Prices are up, and every headline says &#8220;tariffs&#8221;. But two sets of tariffs are in the news, and only one of them can show up on a store shelf. This guide explains which one reaches your cart, how to tell\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/couponing-sites-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"canadian couponing\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-couponing.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 25 Best Canadian Coupon Sites and Apps in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Whether you need to or just like to save, there are countless canadian coupon sites and apps that offer the same thing: savings, points, coupons, or some combination of the three. In times like these, saving money is at the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/sell-gift-cards-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"a group of cards with flowers on them next to a green plant\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-1024x684.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941-768x513.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/adam-winger-b1wqPO2qKUY-unsplash-scaled-e1640027321941.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Websites to Sell Gift Cards in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Gee, thanks for the gift card. I mean, a gift card is a nice gift to receive but it may not always be the right one. There are many reasons why someone may wish to sell gift cards in Canada.\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/its-time-to-say-goodbye\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-1024x1024.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-300x300.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-150x150.png 150w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere-768x768.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/04\/hardbacon-application-financiere.png 1079w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The End of a Chapter for Hardbacon                <\/h3>\n\n                                    <p class=\"excerpt\">It is with a heavy heart that I write my last post for Hardbacon. Indeed, all employees of Hardbacon (Bacon Financial Technologies Inc.) have been let go, and our operations are now suspended. The company will declare bankruptcy in the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/budget\/how-much-does-it-cost-to-support-a-future-figure-skating-athlete\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/07\/cout-patinage-artistique.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Budget<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    How Much Does it Cost to Support a Future Figure Skating Athlete?                <\/h3>\n\n                                    <p class=\"excerpt\">With only 1 in 5 young people in Quebec considered active, the cost of recreational sports is one of the main factors holding them back. Having the support of their parents, on the other hand, acts as a propellant for\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/budget\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(3)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/best-options-trading-platforms-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"a black square with white text on it next to a pen and calculator\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/best-options-trading-platform-canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 8 Best Options Trading Platforms in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">Navigating the labyrinthine world of options trading can be a daunting task in Canada. From the uninitiated beginner to the seasoned investor, everyone needs a reliable platform that aligns with their trading goals, offers robust tools, and doesn\u2019t break the\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/questrade-vs-wealthsimple\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple.webp\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple.webp 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple-300x200.webp 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2026\/04\/Questrade-VS-Wealthsimple-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Questrade VS Wealthsimple: Which Online Broker Should You Choose?                <\/h3>\n\n                                    <p class=\"excerpt\">Online brokerage has grown in popularity in recent years, driving down trading costs between fiercely competitive platforms. There are now a wide variety of online brokers on the Canadian market, with different prices, features and tools. With the arrival of\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/a-review-of-wealthsimple\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"624\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1024x624.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"review of wealth simple\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1024x624.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-300x183.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-768x468.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade-1536x936.jpg 1536w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Wealthsimple-Trade.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    A review of Wealthsimple                <\/h3>\n\n                                    <p class=\"excerpt\">Wealthsimple is an online investing service founded by Michael Katchen in 2014 in Toronto. Today the company has over $70 billion in assets under administration. Wealthsimple stood out from the start by offering smart and simple investing without the high\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/the-ultimate-guide-to-etfs-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"exchange traded funds\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/austin-distel-EMPZ7yRZoGw-unsplash-scaled-e1629215101595.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Understanding Canadian ETFs to Increase your Wealth                <\/h3>\n\n                                    <p class=\"excerpt\">Exchange-traded funds (ETFs) are the new darling of self-directed investors. Although they were first introduced several years ago, the democratization of investing has made it easier than ever to buy ETFs. Are ETFs really beneficial? What are their limitations? How\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/investing\/guide-to-rrsp-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"RRSP- a yellow piggy bank with a coin and a dollar sign\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/rrsp-e1645039724891.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Investing<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    How to Use the RRSP to Save on Taxes and Retire Rich                <\/h3>\n\n                                    <p class=\"excerpt\">A registered retirement saving plan (RRSP) is, for most of us, the first step towards saving for our golden years. The RRSP is a registered investment account that carries many tax benefits. The primary purpose is to shelter a portion\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/investing\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div x-show=\"isActive(4)\" x-transition x-cloak >\n\t\t\t\t\t\t<div class=\"swiper !overflow-visible\" x-data=\"swiper\" x-ref=\"container\">\n\t\t\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/free-canadian-tax-softwares\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"719\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Desk with tax forms and calculator for financial planning\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-1024x719.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-300x211.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw-768x540.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/canadian-tax-software-featured-imagw.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 5 Best Free Canadian Tax Softwares                <\/h3>\n\n                                    <p class=\"excerpt\">For most people, doing their taxes is a thankless task. Fortunately, there are free tax software programs that make it easy to calculate and file your taxes online. We recommend that you choose a software that is easy to use,\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/best-tax-return-software-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2024\/01\/best-tax-return-software-canada-1.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The 6 Best Tax Return Software in Canada                <\/h3>\n\n                                    <p class=\"excerpt\">To file quickly, easily, and without a blinding migraine, choosing the best tax return software in Canada is crucial. Tax season is the most dreaded time of year, with many of us hoping to bypass the annual state of confusion\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/old-age-security\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Guide to old age security in 2023\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/Background-24.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    The New Guide to Old Age Security                <\/h3>\n\n                                    <p class=\"excerpt\">What is Old Age Security? Times are tough, especially when you stop working. Your income goes down while prices go up. Old Age Security (OAS), sometimes called Old Age Pension, is money you might receive from the government when you\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/cost-of-divorce-in-canada\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"A man and woman standing face to face, displaying depression and anxiety between them\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-1024x683.png 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-300x200.png 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada-768x512.png 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/09\/cost-of-divorce-in-canada.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    What Is the Cost of a Divorce in Canada?                <\/h3>\n\n                                    <p class=\"excerpt\">Going through a divorce can drain you emotionally and financially. By understanding the costs involved, you can decide what to fight for and what to do yourself. In Canada, divorce costs can vary from $1,000 to $25,000 and up, depending\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/financial-planning\/staycation-tax-credit\/\" class=\"swiper-slide !h-auto !w-[355px] lg:!w-[calc(50%-12px)] 2xl:!w-[calc(33%-12px)] mr-2.5 lg:mr-6 last:mr-0 group block bg-white rounded-(--radius-sm) overflow-hidden shadow-(--shadow)\">\n\t\t\t<div class=\"relative overflow-hidden h-52 lg:h-80\">\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg\" class=\"w-full h-full object-cover transition duration-300 group-hover:brightness-40\" alt=\"Ontario staycation tax credit\" loading=\"lazy\" srcset=\"https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-1024x683.jpg 1024w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-300x200.jpg 300w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844-768x512.jpg 768w, https:\/\/hardbacon.ca\/wp-content\/uploads\/2023\/02\/yulia-matvienko-cx-DYkcF_7w-unsplash-scaled-e1649770304844.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                <button  class=\"whitespace-nowrap button-link-base button-link-filled absolute-center opacity-0 group-hover:opacity-100 transition-opacity duration-300\" >Read more<\/button>\t\t\t<\/div>\n            <div class=\"py-9 px-10\">\n                                    <span class=\"tag mb-5\">Financial planning<\/span>\n                                <h3 class=\"font-regular text-xl lg:text-2xl mb-4\">\n                    Ontario Staycation Tax Credit: What You Need To Know in 2022                <\/h3>\n\n                                    <p class=\"excerpt\">If you are a resident of Ontario and are planning a short trip anytime soon, you may consider opting for a staycation in the province. At least you get to receive some money back from the Ontario government for enjoying\u2026<\/p>\n                            <\/div>\n\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative flex justify-between lg:justify-end items-center mt-7 lg:mt-12\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/category\/financial-planning\/\" class=\"whitespace-nowrap button-link-base button-link-outline lg:absolute-center\">See all news<\/a>\t\t\t\t\t\t\t\t\t\t<div class=\"flex gap-3 lg:gap-none justify-end \">\n\t\t\t<div x-ref=\"prev\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-left.CiTjgOBi.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t\t<div x-ref=\"next\" class=\"swiper-navigation w-16 h-16 lg:w-20 lg:h-20 flex items-center justify-center bg-primary-accent rounded-full cursor-pointer hover:shadow-(--shadow)\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon.ca\/wp-content\/themes\/hardbacon\/dist\/images\/arrow-right.C81RnIJA.svg\" class=\"w-6 h-5 lg:w-6 lg:h-5\">\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/section>\n\n\n\n<section  class=\" bg-primary-dark section-p\">\n\t<div class=\"container-wide bg-white section-p  rounded py-16 pb-0 md:pb-16 relative overflow-hidden\">\n\t\t<div class=\"mb-20 xl:mb-0 px-6 md:px-12 lg:px-20 xl:max-w-[50%] 2xl:max-w-[45%]\">\n\t\t\t\t\t\t<header class=\"section-head mb-20\">\n\t\t\t\t<h2 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Your Financial Journey Starts <span>Here<\/span><\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p>Sign up for our newsletter and take control of your money, your way. Access exclusive tips, tools and personalized insights delivered straight to your inbox.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t<div class=\"mt-18\" x-data=\"newsletterSubscribe\">\n\t\t\t\t<form x-show=\"!submitted\" class=\"max-w-[650px] mx-auto\" @submit.prevent=\"onSubmit\">\n\t\t\t\t\t<!-- Step 1 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 1\" x-cloak>\n\t\t\t\t\t\t<label for=\"newsletter-privince\" class=\"font-medium text-lg\">Select your province<\/label>\n\t\t\t\t\t\t<select x-model=\"province\" name=\"province\" id=\"newsletter-privince\" class=\"shadow-(--shadow) rounded-(--radius-2xl) h-[66px] bg-white px-6 focus:outline-none w-full\">\n\t\t\t\t\t\t\t<option value=\"\" disabled>Your province<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ab\">Alberta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"bc\">British Columbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"mb\">Manitoba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"nb\">New Brunswick<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"ns\">Nova Scotia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"on\">Ontario<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"pe\">Prince Edward Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"qc\">Quebec<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"sk\">Saskatchewan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!-- Step 2 -->\n\t\t\t\t\t<div class=\"flex flex-col gap-4 items-start\" x-show=\"step === 2\" x-cloak>\n\t\t\t\t\t\t<span class=\"font-medium text-lg\">What are you looking for?<\/span>\n\t\t\t\t\t\t<div class=\"flex flex-wrap gap-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-SAVE_MONEY\" name=\"interests[]\" value=\"SAVE_MONEY\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-SAVE_MONEY\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Save Money<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-CREDIT_CARDS\" name=\"interests[]\" value=\"CREDIT_CARDS\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-CREDIT_CARDS\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Credit Cards<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-INSURANCE\" name=\"interests[]\" value=\"INSURANCE\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-INSURANCE\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Insurance<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" type=\"checkbox\" id=\"newsletter-interest-HOMEOWNERSHIP\" name=\"interests[]\" value=\"HOMEOWNERSHIP\" class=\"sr-only peer\">\n\t\t\t\t\t\t\t\t<label for=\"newsletter-interest-HOMEOWNERSHIP\" class=\"inline-flex rounded-xl py-3 px-6 border-2 border--primary-dark text-primary-dark peer-not-checked:hover:text-primary-accent peer-checked:bg-primary-dark peer-checked:text-white cursor-pointer font-medium\">Homeownership<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t<input x-model=\"interests\" 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