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How credit scores are calculated

Your credit score is calculated using five key factors: payment history, amounts owed, length of credit history, credit mix, and new credit. Payment history and credit utilization have the biggest impact. Understanding these components helps you make smarter financial decisions and improve your creditworthiness.

Dominic Abate

New Credit Card Features

Credit cards are evolving with cutting-edge features to enhance user experience. From AI-driven payments to eco-friendly rewards, these innovations offer convenience and security. Explore the latest advancements shaping the future of spending.

Dominic Abate

Exclusive Rewards Program

Exclusive rewards programs have become a powerful tool for brands to foster customer loyalty, offering premium perks for everyday spending, travel, dining, and more. In 2025, these programs are evolving with enhanced cashback, points, and unique experiences tailored to diverse consumer needs. From credit card issuers to retailers and fintech platforms, exclusive rewards programs are designed to maximize value and engagement. This article explores the latest trends in exclusive rewards programs, their benefits, key examples, and tips to make the most of them.

Dominic Abate

More Canadians now qualify for credit cards with flexible approval

In 2025, access to credit cards in Canada has become more inclusive, with issuers offering flexible approval processes that cater to a broader range of financial profiles. These changes are driven by innovations in fintech, relaxed eligibility criteria, and a growing emphasis on financial inclusion for students, newcomers, and those with limited or poor credit histories. This article explores the trend of flexible approval credit cards, the types of cards available, their benefits, and tips for choosing the right one.

Dominic Abate
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.