Never miss a payment with AutoPay AI

Set it once, and let our AI-powered system handle your payments. AutoPay AI learns your income pattern to create a seamless payment schedule, ensuring you stay on track without the stress.

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AutoPay

Achieving highest credit score

AutoPay AI is designed to help you reach good credit status faster. By analyzing your income and spending habits, it automates payments to ensure you never miss a due date boosting the most critical factor in your credit score.

AutoPay AI is designed to help you reach good credit status faster

Credit score

How AutoPay AI works for you

AutoPay AI adapts to your income—weekly, bi-weekly, or monthly—to ensure payments align perfectly with your cash flow.

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Smart payment options designed for your success

While most credit cards only require a minimum payment of 3%, we believe in helping you build stronger financial habits. That's why we've designed payment options that encourage responsible credit management:

20%

Minimum payment

of statement balance

  • Lowest payment amount
  • Build credit slowly
  • 0.5% on each on time payment Cashback
  • Moderate interest savings

50%

Mid-range payment

of statement balance

  • Balanced option
  • Build credit steadily
  • 0.5% on each on time payment Cashback
  • Moderate interest savings

100%

Statement balance

of statement balance

  • 0% interest charges
  • Build credit quickly
  • 0.5% on each on time payment Cashback
  • Extra 0.5% Cashback bonus for full payment

Easy setup with AutoPay AI

Choose your payment

Set a percentage or pay in full for max rewards

Connect your bank

Securely link & verify instantly

Best schedule

AutoPay AI suggests the best dates, or customize your own

Activate & Relax

Review, activate, and let Autopay handle the rest

Each option helps improve your credit profile3

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Security you can trust

Your financial security is our top priority. AutoPay AI features

  • Bank-level 256-bit encryption
  • Protected bank connections
  • Regular security audits
  • Transactions protected by Visa
  • 24/7 fraud monitoring

How AutoPay AI compares to traditional payments

Earna Autopay AI vs Traditional payment

Schedule settingIncome-based smart schedulingFixed dates only
Payment optionsMultiple flexible optionsUsually minimum payment only
Income pattern analysisAdvanced AI adaptationNone
On-time payment rewardExtra 0.5% cashbackNone
Full balance payment rewardExtra 0.5% cashbackNone
Schedule changesAutomatic adjustmentsManual updates required
Overdraft protectionSmart scheduling to avoid overdraftsBasic or none
Payment notificationsComprehensive smart alertsBasic confirmation
Custom schedulingFull customization availableLimited or none
  • Schedule settingIncome-based smart schedulingFixed dates only
  • Payment optionsMultiple flexible optionsUsually minimum payment only
  • Income pattern analysisAdvanced AI adaptationNone
  • On-time payment rewardExtra 0.5% cashbackNone
  • Full balance payment rewardExtra 0.5% cashbackNone
  • Schedule changesAutomatic adjustmentsManual updates required
  • Overdraft protectionSmart scheduling to avoid overdraftsBasic or none
  • Payment notificationsComprehensive smart alertsBasic confirmation
  • Custom schedulingFull customization availableLimited or none

Real stories from from Earna members

Story from Ana, Toronto

"I couldn't be happier with my experience at Earna! Their credit card options are fantastic, and the rewards program has truly enhanced my overall experience. Every time I use my card, I feel valued and appreciated. Thank you, Earna, for making banking so enjoyable!"

Maximize your rewards choosing the right credit card

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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?

How do I create an Earna account?

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.

What information do I need to sign up?

You’ll need a valid email address, a password (at least 12 characters with letters, numbers, and symbols), and personal details such as your full name, date of birth, and phone number. For card applications, additional financial information (e.g., income, employment status) may be required during verification.

Can I have multiple Earna accounts?

No, Earna allows only one account per user to ensure security and compliance. Multiple accounts may lead to suspension. If you’re applying for a card, use your primary account. Contact [email protected] for assistance with account issues.

How do I enable two-factor authentication?

To enhance security for your account and card application, go to Account Settings > Security, select “Enable 2FA,” and link an authenticator app (e.g., Google Authenticator) or your phone number for SMS codes. Follow the prompts to verify and activate 2FA.

How can I change my login email?

In Account Settings > Profile, select “Change Email.” Enter your new email address, verify it via a confirmation link sent to the new email, and authenticate with your password or 2FA code. Ensure your email is updated before applying for the card to receive application updates.

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

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.