Earn Cashback on Everyday Essentials

Your everyday spending – groceries, gas, pharmacy – now earns you money back. Earna rewards the purchases that matter most

Apply now

Cashback that fits your real life.
Earna rewards your essential
spending with instant money back

1.5%Cashback5

The best credit card
for everyday needs

Cashback
up to 1.5%

wallet

Essential
up to 1%

Get Cashback on groceries, transportation, and pharmacy spending5

coins

Paying balance
in full 0.5%

Pay your full statement balance and earn an extra 0.5% Responsible Rewards Cashback5

calendar

Every purchase
pays you back

Groceries

Every trip to the grocery store puts money back in your pocket

Gas & Transit

Fill up your tank or take the bus – earn Cashback either way

Subscriptions

Pay your subscriptions – get rewarded for it5

Pharmacy

Prescriptions and health essentials now earn Cashback

Paying balance
in full 0.5%

Pay your full balance each month and earn extra Responsible Rewards Cashback

Redeem in Wallet

Your Cashback goes straight to your Rewards Wallet. Redeem anytime and credit it to your card

Real unsecured
credit card

This isn't a prepaid card. It's real credit that helps build your credit score with every purchase

Rewards, Cashback
and exclusive discounts5

exclusive-discount

Discount up to

45%

Different
categories

25% off

Sport events

35% off

Parks & Attractions

20% off

Concerts

15% off

Dining & Food

Pick your card,
start earning

Up to 1%

Earna Visa* Card

basic cardLearn more

Up to 1.5%

Earna Obsidian Visa* Card

obsidian cardLearn more

Real stories from our members

Get access to your credit in 60 seconds

  1. 1

    Submit online application

    2 minutes to submit

  2. 2

    Get approved

    Instant decision in 60 seconds

  3. 3

    Start spending today

    Use your digital card right away

90% of applicants get approved — no credit score required

Apply onlineCardsCards
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?

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.

Are there fees for using Earna?

Earna is free for basic use. Certain transactions or premium features may incur fees, detailed in the Fees section on www.earna.com().

Can I use Earna for online purchases?

This question pertains to the functionality of the Earna card or account for transactions, making it a clear fit for the Payments & Transactions category.

How long does it take to get approved?

Card approval typically takes 3–7 business days, depending on the completeness of your application and verification requirements. You’ll receive an email update on your status.

How do I earn rewards on Earna?

Earn rewards by completing eligible activities, such as transactions, referrals, or promotions. Check the Rewards section in your account for details.
View legal footnotes

1Annual Fees may be paid monthly. Other terms and conditions may apply. Find the complete terms and conditions here.

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 Other terms and conditions may apply. Find the complete terms and conditions here.