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Account Creation
▸How long does it take to get approved?▸Can I have multiple Earna accounts?▸What information do I need to sign up?View all
Login & Security
▸What should I do if I suspect unauthorized access to my account?▸How can I change my login email?▸How do I enable two-factor authentication (2FA)?View all
Account Verification
▸How long does verification take?▸What documents are required for verification?▸Why do I need to verify my identity?View all
Personal Information
▸How is my personal information protected?▸How do I update my home address?▸Can I change my registered email address?View all
Account Settings
▸How do I close or deactivate my Earna account?▸Can I customize my account settings?▸How do I change my notification preferences?View all
Notifications & Alerts
▸Can I receive notifications on multiple devices?▸Why am I not receiving Earna alerts?▸How do I enable or disable notifications?View all
Payments & Transactions
▸How do I apply for an Earna card?▸Can I use Earna for online purchases?▸How do I check my account balance?View all
Rewards & Benefits
▸Do rewards expire?▸How can I redeem my rewards?▸How do I earn rewards on Earna?View all
Support & Troubleshooting
▸How do I report a bug or issue with the platform?▸What should I do if the Earna app isn’t working?▸How do I contact Earna support?View all
Privacy & Data Management
▸What happens to my data if I delete my account?▸How do I opt out of data sharing?▸Can I download my account data?View all
Billing & Fees
▸Can I dispute a charge?▸How do I view my billing history?▸Are there fees for using Earna?View all
Generic
▸What is Zero Liability Fraud Protection, and how does it work?▸How can I manage my card and payments using the mobile app?▸What are the fees associated with the Earna card?View all
Cards
▸Is there a fee for replacing the Earna Obsidian credit card?▸What is the interest rate on the Earna Obsidian credit card?▸How can I apply for the Earna Obsidian credit card?View all
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.