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The most accessible credit card in Canada, designed for you
Earna Visa Card
Accessible credit for all, no deposit, no annual fees1.
Obsidian Visa Card
Luxury metal card with higher limits and premium rewards.
Real unsecured credit card
No credit score
required
Cashback up to 3%
Free credit builder7 & credit score
Your credit history won’t hold you back here!
Earna lets you start fresh
A new way to approval
You’re more than a number. We use a unique algorithm that considers various factors to evaluate your true creditworthiness, including individualized assessments based on your financial history.
No credit history needed
Bad credit? No credit? No problem! Moving forward with financial freedom shouldn’t be complicated.
Higher rate of approval
9 out of 10 Canadians get approved in less than a minute. Your credit score does not matter. We check multiple factors to give you a fair chance!
All income types accepted
We welcome all stable incomes, requiring just a minimum deposit of $800 per month over the last three months.
Up to 2% Cashback on essentials plus 1% bonus for responsible payments
Up to 2% on grocery, gas, pharmacy, and recurring bills plus 1% when you pay on time and in full
3%
Earn up to 2% cashback on the subscriptions you use daily
What’s different
60-second decision, 24/7
All the coverage of Visa
Gain instant access to your Earna card
No annual fees!2
Just clear & fair terms
Real unsecured credit card with no catch
You’re always in control
Real people, real service, anytime, anywhere
3 Easy steps towards financial freedom with Earna
CAD
USD
MEX
EURWatch It Grow
- Earn up to 3% cashback* plus extra rewards
- Credit limit increases every 6 months
- Interest rate drops with good payments
Credit limit increases every 6 months
Up to 3% Cashback
Free credit score
Interest rate drops every year
Credit limit increases every 6 months
Up to 3% Cashback
Free credit score
Interest rate drops every year
Cash advance
Your full credit limit is available as cash whenever you need it.
Learn more
Want you use money right now?
Use Your credit balance when and how you want!
or ATMInstant accessExtra credit line
Get an additional credit line equal to your card limit:
Learn more
Convert to installment plan
25% used limit $500
Boost your credit score faster
Enjoy a higher credit limit over time6
Benefit from lower interest rates each year7
Credit score
Grow your credit score faster3
Never missed payments with Autopay
Get your free monthly credit score via Equifax
60-Second Decision
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Opening doors to a brighter financial future
At Earna, we believe everyone deserves a fresh start. With years of experience, we help Canadians move forward with accessible credit, flexible payments, and cashback rewards, always with honest support.
No matter your past, we are here with credit boosts and learning tools to help you reach your goals.
Learn moreSecurity & Support in Earna
24/7 fraud protection
Transaction monitoring
Online Support team
Visa security features
Choose the card that fits your lifestyle
Earna card
Smart everyday credit card with flexible rewards
1%
Cashback
On everyday essentials plus payment rewards
0.5%
Cashback
On time payments for credit balance
0.5%
Cashback
On full balance payments
No Minimum Credit Score Required
Instant Cashback
Unsecured credit card with credit building features
Flexible Payment Options
100% Cash Advance Available Anytime
Online support 24/7
Requirements that make this card accessible for everyone
- Must be a Canadian resident
- Must be 18 years of age or older
- Minimum monthly income of $800 (multiple sources of income accepted)
- Must have a Canadian bank account with source of income
- Everyone accepted, regardless of credit history
Obsidian card
Premium 16g metal card with enhanced rewards
1%
Cashback
On everyday essentials plus payment rewards
0.5%
Cashback
On time payments for credit balance
0.5%
Cashback
On full balance payments
No Minimum Credit Score Required
Instant Cashback
Unsecured credit card with credit building features
Flexible Payment Options
100% Cash Advance Available Anytime
Online support 24/7
Premium benefits and Enhanced cashback
Higher credit limits and premium support
Sleek 16g metal card design
Requirements that make this card accessible for everyone
- Must be a Canadian resident
- Must be 18 years of age or older
- Minimum monthly income of $800 (multiple sources of income accepted)
- Must have a Canadian bank account with source of income
- Everyone accepted, regardless of credit history
Hear from our customers who’ve transformed their financial goals into reality. These stories are real, inspiring, and show just what’s possible with Obsidian by your side.
“This service is a godsend! I used to worry about unexpected expenses, but now, with Earna Card, I always have a financial cushion. It’s a real feeling of freedom!”
Mark L.
“With Earna Card, I finally feel financially secure. With quick verification and instant access to funds, I can handle any unexpected eventuality without stress”
Sophia T.
“Earna doesn’t just offer credit, she truly values me as a customer. For the first time, I feel like I have financial flexibility that depends on me, not my credit score.”
Kim F.
“This service is a godsend! I used to worry about unexpected expenses, but now, with Earna Card, I always have a financial cushion. It’s a real feeling of freedom!”
Josh A.
“This service is a godsend! I used to worry about unexpected expenses, but now, with Earna Card, I always have a financial cushion. It’s a real feeling of freedom!”
Mark L.
“With Earna Card, I finally feel financially secure. With quick verification and instant access to funds, I can handle any unexpected eventuality without stress”
Sophia T.
“Earna doesn’t just offer credit, she truly values me as a customer. For the first time, I feel like I have financial flexibility that depends on me, not my credit score.”
Kim F.
“This service is a godsend! I used to worry about unexpected expenses, but now, with Earna Card, I always have a financial cushion. It’s a real feeling of freedom!”
Josh A.
FAQ
Can’t find what you’re looking for?
Contact us here:
[email protected]
Quick answers to questions you may have
What do I need to Qualify for an Earna credit card?
Is there a minimum credit score required to apply?
What are the fees associated with the Earna card?
How can I manage my card and payments using the mobile app?
What is Zero Liability Fraud Protection, and how does it work?
View legal footnotes
1 Earna Credit Cards does not have annual fees paid upfront, instead, to help you manage your finances, you will only need to pay monthly fees included on your monthly statement.
2 Individual cases may vary. Please contact our Support Team if you experience difficulties.
3 Earna reports your payment activity to one or more credit bureaus to help establish your credit history. Credit scores are calculated using complex models that consider multiple factors. Making on-time payments regularly can help improve credit scores, while missed or late payments can lower them. Individual results may vary.
4 Approval is not guaranteed and terms and conditions apply.
5 Refer to Earna Rewards Policy for details on earning cashback. Other terms and conditions may apply, find the complete policy here.
6 Credit limit increases are subject to eligibility and require the account holder’s express consent. Terms and conditions apply.
7 Eligible interest rates may decrease by up to 1% annually for accounts in good standing, subject to a set minimum and other eligibility criteria. Not all rates are eligible. Terms and conditions apply.