Earna hits 10 million customers
When you apply, you’ll get a quick approval decision within 60 seconds, anytime—it’s easy and no documents are needed!
Earna is more than just a credit card company — we’re a financial technology company with a purpose.
We 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 inclusion, resilience, and building a better financial system, transparent policies, and supportive customer service that puts you first. Thank you for being part of this journey. Together, we’re lighting the path to a better tomorrow.
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. Whether it’s payday lenders or credit card companies, the model is broken: it profits from hardship rather than progress.
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 it’s a reflection of Esther’s unwavering belief that everyone deserves a chance to thrive. Under her leadership, Earna is transforming lives
Meet the visionaries 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 and brain finance, 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!
Curious about latest Earna news?
Earna hits 10 million customers
Your Earna card is accepted worldwide wherever Visa is, with Zero Liability fraud coverage for lost or stolen cards.
Earna hits 10 million customers
Once approved, you get instant access to your virtual credit card, with your physical card arriving in just 3-4 business days by mail!
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.