Spend less, save more than you think.
Overspending and overconsumption are not only making it hard for us to achieve important life goals, but it's also driving climate change.
The less we spend, the faster we can get out of debt, buy a home, and save for retirement. It’s also a key way we can reduce our impact on the planet. When 73% of the world’s clothing ends up in landfills and financial stress is the #1 stressor of all Canadians, we know it’s time for more sustainable spending.
For good. For real.
Credit cards have rewards but make it too easy to overspend – 57% of Canadians are carrying credit card debt. With MogoSpend, get better spending control while earning 1.5% cashback on all domestic purchases and 3% cashback on all purchases made in a foreign currency. Save more and reach your goals faster.
CO2reduction made simple
Canadians' carbon footprint is estimated at 0.25 pound of CO2 for every dollar spent. Consuming less is a key way to reduce your footprint, and when we need to spend we should try to offset the impact. With that in mind, for every dollar you spend on your MogoCard, Mogo will offset one pound of CO2 on your behalf.
$0monthly fee or interest
With MogoSpend, you use your own money on your MogoCard and manage your spending through the Mogo app. It’s like using a futuristic debit card that rewards you.
How much cashback?
How much cashback?
See our fees
The face of financial fitness and carbon neutrality
We made your new MogoCard carbon neutral and designed it for you to proudly show it off and use it.
Not just a cool card
Mindful spending made easy
Keeps you mindful
Get an instant notification showing you the amount spent and an updated balance every time you use your MogoCard.
Stay on top of your money with insights that help you make better spending choices.
Automate your budget
Easily schedule auto-transfers of your spending budget from your bank account to MogoSpend – no need to switch banks.
Set a Spending Goal for more control
Create your Spending Goal and see your recommended daily budget to stay on target.
Visa Zero liability
Your MogoCard is protected from unauthorized use with Visa Zero Liability Policy.
Freeze your lost card instantly
If you lose your card or it’s stolen, you can freeze it instantly on the MogoApp and order a new one.