1. Acceptance of Terms

By accessing or using earna.zone ("the Website"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree, do not use the Website.

2. Use of the Website

  • You must be at least 18 years old to use the Website.

  • You agree to use the Website only for lawful purposes and in accordance with these Terms.

  • Prohibited activities include: violating any laws, distributing malware, or engaging in fraudulent activities.

3. User Accounts

  • You may need to create an account to access certain features.

  • You are responsible for maintaining the confidentiality of your account credentials.

  • Notify us immediately of any unauthorized use of your account.

4. Intellectual Property

  • All content on the Website (text, graphics, logos, etc.) is the property of earna.zone or its licensors and is protected by copyright and other laws.

  • You may not reproduce, distribute, or create derivative works without prior written permission.

5. User-Generated Content

  • You may post or submit content to the Website, provided it is not illegal, obscene, or infringing on others' rights.

  • By submitting content, you grant earna.zone a non-exclusive, royalty-free license to use, modify, and distribute it.

6. Third-Party Links

  • The Website may contain links to third-party websites. We are not responsible for their content or practices.

7. Termination

  • We may suspend or terminate your access to the Website for any violation of these Terms.

  • You may stop using the Website at any time.

8. Disclaimer of Warranties

  • The Website is provided "as is" without warranties of any kind, express or implied.

  • We do not guarantee the Website will be error-free or uninterrupted.

9. Limitation of Liability

  • earna.zone is not liable for any indirect, incidental, or consequential damages arising from your use of the Website.

  • Our liability is limited to the maximum extent permitted by law.

10. Governing Law

  • These Terms are governed by the laws of [Insert Jurisdiction, e.g., Delaware, USA].

  • Disputes will be resolved in the courts of [Insert Jurisdiction].

11. Changes to Terms

  • We may update these Terms at any time. Continued use of the Website constitutes acceptance of the updated Terms.

12. Contact Us

Last updated: August 6, 2025

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.