If you despise credit cards as much as I do and hate to spend money with your cards just to build credit or receive cashback benefits, this company is for you. 

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I only recently found out about KOHO and immediately signed up. KOHO offers a cashback, no hidden fees, free pre-paid Mastercard.

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Remember the prepaid cellphone plans from the early 2000s? It's kind of similar. You send money to your KOHO account, which then is available for you to spend with the KOHO Mastercard and when your account balance is 0, you can't spend money with the card. However, just like a regular credit card you gain cashback on every purchase and add to your credit score in a positive way.

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There are a bunch of other awesome features, which I suggest checking out.

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