The most accessible credit card in Canada, designed for you
Earna Visa* Card
Accessible credit for all, no deposit, no annual fees1.
Earna Obsidian Visa* Card
Luxury metal card with higher limits and premium rewards.
No security deposit
Most credit scores accepted
Exclusive Benefits and rewards
Free credit builder³ & credit score
Your credit history won’t hold you back here!
Earna lets you start fresh
A new way to approval⁴
You’re more than a number. We use a unique algorithm that considers various factors to evaluate your true creditworthiness, including individualized assessments based on your financial history.
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Real unsecured credit card
Earna gives you a real, unsecured credit card. No deposit needed. No waiting period. Just instant access to credit that helps you build your credit score.
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All income types accepted
We welcome all stable incomes, requiring just a minimum deposit of $800 per month over the last three months.
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Boost your credit score³
We help you grow your credit by sending your payment history to Equifax every month — at no cost to you.
Milestones
Hit your goals, unlock better benefits. Every Milestone you reach makes your Earna card work harder for you – from credit limit boosts to interest rate drops.
$100 credit limit increase
Every 6 months paying on time will unlock a $100 additional credit limit.
2/6 months
4 months left
Free Credit monitoring
30 days after you signed the contract, Credit health from Equifax is unlocked.
25/30 days
5 days left
27.99% to 19.99% interest drop⁵
Every 12 months paying on time will decrease your interest by 1% until you reach 19.99%.
2/12 months
10 months left
Your
Earna Card
works everywhere
Build your credit score with Earna card
Credit score
30 pts
Build your credit score with Earna
Report to Equifax & Transunion monthly³
Credit limit increase automatically⁵
Lower interest rate each year for 1%⁵
SmartPay Sync™ to avoid missed payments
We report your good habits to Equifax monthly, so your responsible spending builds real credit history. No tricks, no gimmicks – just steady progress you can track right in the app.
Value worth up to
$1,200 a year - all included in
the app
Unlock exclusive perks that more than pay for themselves. Your membership includes credit building tools, partner discounts, and insurance protection – delivering real value that grows with you.
Sport events
15% offConcerts
15% offParks & Attractions
15% offMovie tickets
15% offSport events
15% offConcerts
15% offParks & Attractions
15% offMovie tickets
15% offSport events
15% offConcerts
15% offParks & Attractions
15% offMovie tickets
15% off
Car rental
15% offFlights
15% offHotels
15% offSpa
15% offCar rental
15% offFlights
15% offHotels
15% offSpa
15% offCar rental
15% offFlights
15% offHotels
15% offSpa
15% off
Shopping
15% offDining & Food
15% offAutomotive
15% offHome & Garden
15% offShopping
15% offDining & Food
15% offAutomotive
15% offHome & Garden
15% offShopping
15% offDining & Food
15% offAutomotive
15% offHome & Garden
15% off
Cash advance — your credit, now in cash
Use your available credit to get cash instantly — whether you need it from an ATM or sent directly via Interac e-Transfer or Bank transfer
Via ATM
Withdraw cash 24/7 at any ATM worldwide.
Interac e-Transfer
Send directly from your credit balance to your chequing account.
Cash in your account in 2 minutes.
Exclusive feature
Bank transfer
Perfect for planned expenses when you can wait 3-5 days.
Security & Support
Banking security shouldn't keep you up at night. That's why we've built multiple layers of protection into every transaction. Visa Zero Liability means you're never on the hook for fraud. Our AI monitors every swipe 24/7. And when you need help? Real humans are standing by, ready to solve problems. Please note that cardholders are responsible for protecting their PIN.
Online support team
Visa security features
Zero Liability Protection
Lock/unlock card
Transaction monitoring
Online support team
Visa security features
Zero Liability Protection
Lock/unlock card
Transaction monitoring
Online support team
Visa security features
Zero Liability Protection
Lock/unlock card
Transaction monitoring
Experience
the Premium Package
Your physical card unlocks powerful
features and exclusive benefits
Free credit report and score
Unlimited access to your Equifax credit report, score tracking and disputeh-full
24/7 VIP premium support
Skip the line with dedicated phone support and live chat. Get expert help whenever you need it
Physical card
Premium plastic or metal card shipped same-day. Tap-to-pay enabled, accepted worldwide wherever Visa is accepted
Apple pay and Google pay
Add your card instantly to your digital wallet. Make secure contactless payments up to $250 with just your phone
Cashback
Earn up to 1% Cashback on groceries, transportation, and pharmacy plus 0.5% Cashback for paying balance in full
Visa* benefits & controls
Track subscriptions, view transaction details, and manage stop payments. Please note that cardholders are responsible for protecting their PIN.
OUR MISSION
Earna provides fair access to financial tools for every Canadian
We're rewriting the rules of banking with a simple belief: your past shouldn't limit your future. With Earna, access higher credit limit, premium benefits and rewards – because everyone deserves a chance to grow.
Learn more about Earna
Real stories from our members
““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!” ”
Sophie 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.”
Alicia 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”
Mark L.
Get access to your credit in 60 seconds²
- 1
Submit online application
2 minutes to submit
- 2
Get approved⁴
Instant decision in 60 seconds
- 3
Start spending today
Use your digital card right away
Earna Visa* card
Credit limit
$500-$1,500 with instant approval
Cashback¹
Up to 1% total cashback rewards
Exclusive
Discounts
$748+ in savings with discounts
Essential Experience
- High decision rate²
- Online application with instant decision⁴
- No security deposit needed
- Most credit scores are accepted
- Cash advance via Interac - eTransfer, ATM or Bank Transfer
Credit building features
- Real unsecured credit card without deposit
- Reports to Equifax & Transunion monthly for free³
- Automatic Credit limit increase (every 6 months)⁶
- Free credit health by Equifax
- SmartPay Sync™ with Flexible Payment Options
Security & Support
- 24/7 Fraud Protection & Monitoring
- Visa security protection
- Online support 24/7
- Lock/unlock card online
- Transaction monitoring
Requirements
- Must be a Canadian resident in a province where Earna is available
- Must be the age of majority in the province of residence
- Minimum monthly income of $800 (multiple sources of income accepted)
- Must have a Canadian bank account, phone number, address and a source of income
- Most accepted, regardless of credit history⁴
Obsidian Visa* card
Credit limit
$1,500-$3,000 with instant approval
Cashback⁵
Up to 1.5 % total Cashback rewards
Exclusive
Discounts
$1,200+ in savings with discounts
Unlocked
Metal card
Premium 16g metal card with enhanced Rewards
Insurance
Mobile device, transaction and purchase protection included
Premium experience
- Higher credit limits and premium support
- Sleek 16g metal card design
- Insurance coverage for mobile device protection
- Purchase protection & extended warranty
- Cash advance via Interac, eTransfer, ATM or Bank Transfer
Credit building features
- Real unsecured credit card without deposit
- Reports to Equifax & Transunion monthly for free³
- Automatic Credit limit increase (every 6 months)⁶
- Free credit health by Equifax
- SmartPay Sync™ with Flexible Payment Options
Security & Support
- 24/7 Fraud Protection & Monitoring
- Visa security protection
- Online support 24/7
- Lock/unlock card online
- Transaction monitoring
Requirements
- Must be a Canadian resident in a province where Earna is available
- Must be the age of majority in the province of residence
- Minimum monthly income of $800 (multiple sources of income accepted)
- Must have a Canadian bank account, phone number, address and a source of income
- Most accepted, regardless of credit history⁴
FAQ
Can’t find what you’re looking for?
Contact us here:
[email protected]