Earna credit card
The credit card that opens doors for everyone
Ready for a credit card that believes in your potential? We welcome everyone, regardless of credit history4.
Your journey to financial freedom starts here
Get approved in 60 seconds2
Total cashback5
No annual fees, simple monthly fee
Cash Advance
Get up 1% Cashback on essential purchases5
Earn 1% Cashback on life's essentials – from daily groceries to health needs.
1%
Groceries
1% cashback on your daily essentials
Gas
1% cashback on your subscriptions
Recurring bills
1% cashback for life's adventures
Pharmacy
1% cashback on health and wellness
1% on recurring purchases that are needed every day
Combine with additional rewards for being responsible
We believe in rewarding good financial habits
Responsible payment rewards
1%
Each card payment
Earn 0.5% extra when paying based on your schedule
Full balance payment
Get extra 0.5% when paying statement in full
Earn up to 2% cashback on the subscriptions you use daily
Benefits without extra fees
Fast online application
No security deposit
90% Approval rate4
Physical card arrives within days
No credit score minimums
Add to Apple & Google Pay
Virtual card ready in 60 seconds
Features that make the difference
Visa* protected all around the world
Decrease interest rate every year7
AutoPay AI
Increase credit limit every 6 month6
Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna
Traditional credit cards often create barriers. We break them down | |  |
|---|---|---|
Rather than basic rewards — we offer up to 2% Cashback plus payment bonuses | ||
While others require 650+ credit score — we welcome everyone | ||
When banks ask for security deposits — we need none | ||
Instead of delayed approval — we give instant access |
Cash advance
Need fast cash? Get instant money from your card anytime
Extra credit line
Double your credit power—instantly boost your spending limit.
Powerful Tools For Financial Growth
Cash advance available
24/7 customer support
Spending notifications, card management
Interest rate reduction program
Credit limit increases
Effective credit building feature3
24/7 fraud protection & Transaction monitoring
24/7 Dedicated support team
Visa security features
Full unsecured credit card benefits from day one
AutoPay AI to avoid missed payments
Highest approval rate in Canada
Hear from our customers who’ve transformed their financial goals into reality. These stories are real, inspiring, and show just what’s possible with Earna.
“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
How do I apply for an Earna card?
How do I create an Earna account?
Visit www.earna.com and click “Sign Up.” Enter your email address, create a secure password, and provide basic personal details like your full name and date of birth. Follow the email verification link to activate your account. You’ll need an active account before applying for an Earna card.What information do I need to sign up?
You’ll need a valid email address, a password (at least 12 characters with letters, numbers, and symbols), and personal details such as your full name, date of birth, and phone number. For card applications, additional financial information (e.g., income, employment status) may be required during verification.Can I have multiple Earna accounts?
No, Earna allows only one account per user to ensure security and compliance. Multiple accounts may lead to suspension. If you’re applying for a card, use your primary account. Contact [email protected] for assistance with account issues.How do I enable two-factor authentication?
To enhance security for your account and card application, go to Account Settings > Security, select “Enable 2FA,” and link an authenticator app (e.g., Google Authenticator) or your phone number for SMS codes. Follow the prompts to verify and activate 2FA.How can I change my login email?
In Account Settings > Profile, select “Change Email.” Enter your new email address, verify it via a confirmation link sent to the new email, and authenticate with your password or 2FA code. Ensure your email is updated before applying for the card to receive application updates.Are there fees for using Earna?
Can I use Earna for online purchases?
How long does it take to get approved?
How do I earn rewards on Earna?
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.