Earna is more
than just a credit
card company
We're not your typical credit card company.
We're a team on a mission to open doors
that traditional finance keeps closed.
Resilience
Transparency
InclusionWe create solutions for real people and strive to give everyone access to fair and inclusive financial instruments that value progress and encourage development.
Financial freedom should be within everyone's reach. At Earna, we're here to make it achievable.
We believe in creating a system that rewards effort, recognizes progress, and opens doors to brighter futures. Our mission is to empower individuals, no matter where they're starting from, by providing the tools and opportunities needed to rebuild, grow, and thrive.
We're committed to building a better financial system with transparent policies and supportive customer service that puts you first.
We created Earna because we believe everyone deserves a chance to start fresh.
Today, millions of people face financial challenges that feel impossible to overcome. Despite their hard work, they're stuck, undervalued, and left out of a system that doesn't work for them.
Traditional financial systems often keep people trapped in debt, penalizing those who need help the most.
At Earna, we're rewriting the story. We're building a new kind of credit card — one that celebrates progress, rewards effort, and helps people take control of their financial future. With Cashback on essentials like groceries, health, and bills, and annual interest rate reductions for on-time payments, Earna turns every effort into an achievement.
We believe your past doesn't define your future. Our brand promise is "Freedom Through Effort", and we're here to help you achieve it, one step at a time.
Earna is a reflection of Esther's unwavering belief that everyone deserves a chance to thrive. Under her leadership, Earna is transforming lives.
Meet the visionary behind Earna
At the core of Earna is our founder, Esther Ross. Driven by a deep passion for financial inclusion, Esther envisioned a world where everyone, regardless of their starting point, has access to fair, empowering, and straightforward credit solutions.
Esther created Earna with a simple yet powerful idea: personal finance should be a tool for progress, not a source of stress. Her mission is to redefine how credit works, putting people first by rewarding effort, celebrating resilience, and lighting the path toward financial freedom.
Join our team
Come work with a group of passionate problem-solvers, creative thinkers, and dedicated collaborators. At Earna we're growing quickly, making an impact, and enjoying every step of the journey.
Together, we're shaping the future of financial freedom — and we'd love for you to be a part of it!
Latest news
Income Requirements for Bad Credit Credit Cards
It’s not uncommon for Canadians to overestimate the income needed to get a credit card, particularly if they have bad credit, low income, or both. The truth is, you don’t need a high salary to qualify for every card, but you do need consistent and verifiable income. After all, lenders mainly want to see that you have money coming in regularly to cover your credit card bills. But how much money is enough? And what other factors are taken into account during the approval process? This guide will explain what counts as “income,” how approval works, typical minimum income expectations in Canada, and how, even with low or non-traditional income, you can still get approved. By the end, you’ll know exactly where you stand and how to strengthen your chances of approval.
Bad Credit Credit Cards With Cash Advance Options
When an unexpected expense hits—a car repair, medication, or rent shortfall—many Canadians with bad or no credit feel they have nowhere to turn. Traditional loans may be unavailable, and quick-cash options often come with steep costs and confusing terms. If you’re asking, “Can I get a cash advance with bad credit?” you’re not alone. The reality is that some credit card cash advance Canada options exist even for people with poor credit. But access doesn’t always mean affordability—or safety. This guide explains how a cash advance with a credit card works, which types of cards may allow it, the fees and risks to expect, and when alternatives make more sense. The goal is to help you make informed decisions that protect your financial recovery—not undermine it.
How to Increase Your Credit Limit and Manage Your Credit Line
A higher credit limit isn’t just about spending more money. For many Canadians, it’s a practical tool for building stronger credit, reducing stress around utilization, and giving yourself a little more breathing room. Whether you’re hoping to lower your credit utilization ratio, prepare for occasional larger expenses, or simply feel more confident managing your finances, understanding how a credit limit increase works can make a real difference. This guide walks through how limit increases work in Canada, when to request one, what card issuers look for, and how to manage a growing credit line responsibly so it actually helps your credit instead of hurting it.
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.