Earna Credit Card
The credit card that opens doors for everyone
Ready for a credit card that believes in your potential? We welcome everyone, regardless of credit history4.
Apply now
Your journey to financial freedom starts here
Get approved in 60 seconds2
Total cashback5
No annual fees, simple monthly fee
Cash Advance
Get up 1% Cashback on essential purchases5
Earn 1% Cashback on life's essentials – from daily groceries to health needs.
1%
Groceries
1% cashback on your daily essentials
Gas
1% cashback on your subscriptions
Recurring bills
1% cashback for life's adventures
Pharmacy
1% cashback on health and wellness
1% on recurring purchases that are needed every day
Combine with additional rewards for being responsible
We believe in rewarding good financial habits
Responsible payment rewards
1%
Each card payment
Earn 0.5% extra when paying based on your schedule
Full balance payment
Get extra 0.5% when paying statement in full
Earn up to 2% cashback on the subscriptions you use daily
Benefits without extra fees
Fast online application
No security deposit
90% Approval rate4
Physical card arrives within days
No credit score minimums
Add to Apple & Google Pay
Virtual card ready in 60 seconds
Features that make the difference
Visa* protected all around the world
Decrease interest rate every year7
AutoPay AI
Increase credit limit every 6 month6
Why choose Earna
Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose Earna Why choose EarnaTraditional credit cards often create barriers. We break them down | |  |
|---|---|---|
Rather than basic rewards — we offer up to 2% Cashback plus payment bonuses | ||
While others require 650+ credit score — we welcome everyone | ||
When banks ask for security deposits — we need none | ||
Instead of delayed approval — we give instant access |
Cash advance
Need fast cash? Get instant money from your card anytime
Extra credit line
Double your credit power—instantly boost your spending limit.
Powerful Tools For Financial Growth
Everything you need in one app
Cash advance available
24/7 customer support
Spending notifications, card management
Grows as you succeed
Interest rate reduction program
Credit limit increases
Effective credit building feature3
Security & Support
24/7 fraud protection & Transaction monitoring
24/7 Dedicated support team
Visa security features
Real credit card, Real benefits
Full unsecured credit card benefits from day one
AutoPay AI to avoid missed payments
Highest approval rate in Canada
Real stories from our members
Hear from our customers who’ve transformed their financial goals into reality. These stories are real, inspiring, and show just what’s possible with Earna.
“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!”
Mark 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”
Sophia 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.”
Kim F.
“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!”
Josh A.
“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!”
Mark 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”
Sophia 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.”
Kim F.
“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!”
Josh A.
FAQ
Can’t find what you’re looking for?
Contact us here:
[email protected]