Pricing
No interest on anything. No fees buried in fine print. Just two
straight forward options.
- Monthly
KEY FEATURES
- What’s included
- Get rewarded
- Credit services
- Smart money
- Pay less, keep more
FREE TIER
Spend
$0 per month
A simple way to get started.
Get the free card- Virtual prepaid Mastercard
- Apple Pay and Google Pay
- No credit check
- Guaranteed approval
- Ready in minutes
- No points
- Plus Friends — send money to any Plus member, free and instant
- Credit reporting — $5/mo (KOHO charges $10/mo)
- Rent reporting — $5/mo (Borrowell charges $10/mo)
- Report your past 24 months — $35 one-time (Borrowell charges $99)
- No Penguin AI coach
- 2.5% foreign transaction fee
SUBSCRIPTION TIER
Plus
$7.99 per month
A real Mastercard. 0% interest, ever. One honest price.
Get the Plus card- Virtual card + physical card included
- Apple Pay and Google Pay. Also accepted anywhere Mastercard is accepted
- No credit check
- Guaranteed approval
- Ready in minutes
- Earn points on everything — redeem for travel, statement credits, or gift cards
- Plus Friends — send money to any Plus member, free and instant
- Credit reporting
- Rent reporting
- Jars — set money aside for goals (Rent, Emergency Fund, or anything else)
- Penguin AI budgeting coach
- 1% foreign transaction fee
- 0% interest, always
- No hidden fees
-
CARD COMPARISON
- Interest
- Foreign transactions
- Cash advances
- Approval
- Fees
- TYPICAL CARDS
- 20%+ compounding monthly
- 2.5% at most Canadian banks
- Credit check, possible rejection
- Interest from day one, often 22%+
- Annual fees, FX markups, fine-print extras
- PLUSCREDIT CARD
- 0% interesting charges. Always
- 1%
- 0% interest — one flat fee
- Guaranteed for PlusCredit Mastercard
- One price, published up front
CARD COMPARISON
Interest
TYPICAL CARDS
20%+ compounding monthly
PLUS CARD
0% interesting charges. Always
Revolving debt
TYPICAL CARDS
Minimum payment calculated to leave a balance
PLUS CARD
No revolving debt
Foreign transactions
TYPICAL CARDS
2.5% at most Canadian banks
PLUS CARD
1%
Cash advances
TYPICAL CARDS
Credit check, possible rejection
PLUS CARD
0% interest — one flat fee
Approval
TYPICAL CARDS
Interest from day one, often 22%+
PLUS CARD
Guaranteed for PlusCredit Mastercard*
Fees
TYPICAL CARDS
Annual fees, FX markups, fine-print extras
PLUS CARD
One price, published up front
Got questions? We’ve got answers
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.
Yes. Zero interest on every product, on every balance, at all times. Not a promotional rate. Not a teaser period. Zero interest, permanently.