With the Mogo Platinum
Prepaid Visa® Card

The MogoCard helps you control your spending in ways that debit and credit cards can't. You could save hundreds of dollars a month.

Spend smarter

Mogo Platinum Prepaid Visa Card

Spend less and save more with the reloadable MogoCard. This is not a credit card – you spend only the money you load and track it on your phone. Unlike your typical plastics, you can choose our free Vader card design or upgrade to one of our designer cards.

How it works

Add money to your MogoCard

Transfer money from your bank account directly to your Mogo Platinum Prepaid Visa Card and only spend what you load.

Set spending goal

Decide how long you want your money to last. Once you've set your goal, you can see how many days you have left and what your recommended daily budget is.

Smart notifications

Stay on top of your spending like never before. After each purchase you instantly get an update with the amount you just spent and your updated balance.

The Ultimate Reward Program

By using the MogoCard to control your spending,
you could save hundreds or thousands of dollars a year.

Did you know?

The typical reward program gives you about $10 worth of value for every $1,000 you spend. So to get a $1,000 of value you would have to spend about $100K a year.

No fee on foreign transactions

Most credit and debit cards charge a 2.5% foreign transaction fee, which means for every $100 transaction outside of Canada you will be charged an additional $2.50 in fees. Mogo doesn’t charge any additional foreign transaction fee.

Save on fees


Monthly fee


Foreign transaction fee



Typical bank debit cards charge up to $15 per month for unlimited transactions or require that you have a minimum balance. The MogoCard requires no minimum balance, has unlimited transactions, and no monthly or annual fee. And of course there is no interest since you are using your own money.

See our fees

Add money instantly online


Monthly fee


Purchase transactions


Vader Card purchase


Foreign currency transaction Fee


Domestic ATM


International ATM


Designer Card purchase

depends on design

Card replacement

depends on design

Add money at Canada Post


Cash or debit

Charged by Canada Post

Account inactivity fee


Only charged after a year of non-card use. Transaction activities keep the spending account free!

Unless balance is $0

NSF fee


If your Add Money request is denied by your bank

Track your credit score for free

By using the MogoCard instead of a credit card, you will be lowering your credit utilization rate which could improve your credit score. With Mogo, you will also be able to track your Equifax credit score every month for free and see how your financial health is improving.


What our customers think

iPhone 6 displaying the Mogo AppMogoCard

Ready to spend smarter?

Join over MogoMembers. It's time to rule your finances.