Compare the best credit card that fits your lifestyle
With Earna, you’ll have cards that fit your lifestyle, whether you're interested in building credit, earning cashback, or aiming for the best premium benefits in the country.
Find Your Perfect Match: Two Cards, Endless Possibilities
Every journey deserves the right companion. Both cards welcome you with open arms—no matter where you’re starting from. Choose the one that matches your vibe.
Earna Visa* Card
Your gateway to better credit and daily rewards. Perfect for anyone ready to take control of their finances with confidence.
Learn more
Earna Obsidian Visa* Metal Card
16 grams of pure possibility. Designed for those who want premium perks without the premium barriers.
Learn moreChoose your Earna credit card
Both cards break down barriers and build up possibilities.
Here's how they stack up |  |  |
|---|---|---|
| Starting limit | $500-$1500 | $1000-$3000 |
| Total Cashback | Up to 2% | Up to 3% |
| Interest rate | 19.99% - 27.99% | 19.99% - 24.99% |
| Support | 24/7 customer support | Premium VIP support |
| Cash advance | Yes | Yes |
| Minimum income | $800 | $1,400 |
| Design | Modern plastic | Premium 16g metal card |
| Suitable for | Perfect for everyone | Designed for higher earners |
- Starting limit$500-$1500$1000-$3000
- Total CashbackUp to 2%Up to 3%
- Interest rate19.99% - 27.99%19.99% - 24.99%
- Support24/7 customer supportPremium VIP support
- Cash advanceYesYes
- Minimum income$800$1,400
- DesignModern plasticPremium 16g metal card
- Suitable forPerfect for everyoneDesigned for higher earners
What’s Always Included With Your Card
Here's how they stack up | | |
|---|---|---|
Worldwide Visa acceptance shop globally, pay anywhere | ||
Visa Zero Liability complete fraud protection | ||
Instant virtual card for online, subscriptions & secure payments | ||
Same-day shipping for your physical card | ||
Apple Pay & Google Pay ready tap, pay, done | ||
24/7 cash advance access at ATMs worldwide | ||
Automatic credit limit increases every 6 months* | ||
Free credit monitoring powered by Equifax | ||
Financial coaching and credit education Learn how credit works. Improve your habits. | ||
3D Secure Safer online payments | ||
SmartPay Sync™ Your payments sync with your payday |
Your Past Doesn't Define Your Future
We see what others miss—your potential. While traditional banks focus on credit scores and security deposits, we focus on you.
- 18+ years old
- Live anywhere in Canada
- Canadian bank account
- $800+ monthly income (any source)
- No credit score required
- No security deposit needed
Not Sure Which Card Type is Right for You?
Choosing a credit card shouldn’t feel like a test you might fail. We get it—the options are confusing and the fear of rejection is real. That’s why we designed Earna differently. But first, let’s break down your options:
The Real Difference: Traditional Credit Cards vs Earna | |  |
|---|---|---|
| Who Qualifies | Everyone welcome—we look beyond scores | Credit score 650+ required |
| Approval Time | 60 seconds to your answer | Days or weeks of waiting |
| Starting Limits | $500-$3000 guaranteed start | Depends on credit history |
| Building Credit | Automatic limit increases every 6 months | You’re on your own |
| Interest Rates | APR drops 1% yearly down to 19.99% | Fixed rates, take it or leave it |
| Cashback | Simple: up to 2% on what you actually buy | Complex categories & limits |
| Getting Started | Virtual card instant, tap & pay ready | Paperwork & branch visits |
| Support | 24/7 real humans who get it | Business hours only |
- Who QualifiesEveryone welcome—we look beyond scoresCredit score 650+ required
- Approval Time60 seconds to your answerDays or weeks of waiting
- Starting Limits$500-$3000 guaranteed startDepends on credit history
- Building CreditAutomatic limit increases every 6 monthsYou’re on your own
- Interest RatesAPR drops 1% yearly down to 19.99%Fixed rates, take it or leave it
- CashbackSimple: up to 2% on what you actually buyComplex categories & limits
- Getting StartedVirtual card instant, tap & pay readyPaperwork & branch visits
- Support24/7 real humans who get itBusiness hours only
Prepaid Cards: Why They're Not the Answer | | |
|---|---|---|
| Building Credit | Every payment reported | Never |
| Cashback | Up to 2% always | Rarely |
| Emergency Access | Full balance as cash advance | Only if pre-loaded |
| Financial Growth | Growing limits & dropping rates | Stuck in place |
| Fees | Transparent monthly fee | Hidden reload & transaction fees |
- Building CreditEvery payment reportedNever
- CashbackUp to 2% alwaysRarely
- Emergency AccessFull balance as cash advanceOnly if pre-loaded
- Financial GrowthGrowing limits & dropping ratesStuck in place
- FeesTransparent monthly feeHidden reload & transaction fees
Why Not Just Get a Secured Card? | | |
|---|---|---|
| Security deposit | Every payment reported | Never |
| Credit Building Speed | Up to 2% always | Rarely |
| Cashback | Up to 3% | Usually none |
| Card Type | 60 seconds to your answer | Days or weeks of waiting |
| Limit Increases | Automatic every 6 months | Add more deposit |
| Your Money | Working for you, not sitting idle | Tied up for months/years |
- Security depositEvery payment reportedNever
- Credit Building SpeedUp to 2% alwaysRarely
- CashbackUp to 3%Usually none
- Card Type60 seconds to your answerDays or weeks of waiting
- Limit IncreasesAutomatic every 6 monthsAdd more deposit
- Your MoneyWorking for you, not sitting idleTied up for months/years
Debit Cards vs Earna: The Smart Upgrade | | |
|---|---|---|
| Purchase Protection | Full Visa Zero Liability | Limited |
| Building Credit | Builds your future | No impact |
| Cashback | Up to 3% | Usually none |
| Grace Period | 28 days interest-free | Instant deduction |
| Credit Access | Credit line + cash advance | Only your balance |
- Purchase ProtectionFull Visa Zero LiabilityLimited
- Building CreditBuilds your futureNo impact
- CashbackUp to 3%Usually none
- Grace Period28 days interest-freeInstant deduction
- Credit AccessCredit line + cash advanceOnly your balance
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?
What are the fees associated with the Earna card?
What is Zero Liability Fraud Protection, and how does it work?
How can I manage my card and payments using the mobile app?
How do I apply for an Earna card?
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.