The credit card that opens doors

Ready for an unsecured credit card that believes in your potential? We welcome everyone, regardless of credit history4.

Apply online nowearna-1-recto

The best credit card
for everyday needs

Unsecured
credit card with
No security deposit

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Get approved
in 60 seconds2

Most credit
scores are
accepted5

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Credit limit
up to $1,500

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Cash Advance
available

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Rewards, Cashback
and exclusive discounts5

cashback

Up to

1%

Cashback in
total

Groceries0.5% Cashback on groceries
Pharmacy0.5% Cashback on health
Recurring bills0.5% Cashback on subscriptions
Gas station0.5% Cashback on gas station
Payment in full0.5% Cashback payment in full

Get Your Earna Card and Unlock Financial Freedom

Instant virtual card

Start using your Earna virtual card right away for online purchases, subscriptions, and payments

Worldwide acceptance

Accepted at millions of locations across Canada and around the world

Visa Zero Liability protection

Shop worry-free with Visa Zero Liability protection. Your money stays safe.Please note that cardholders are responsible for protecting their PIN

Build credit for financial freedom

We report your responsible usage to Equifax automatically, completely free3

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Build your credit score with Earna card

Credit score

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Build your credit score with Earna card

Credit score

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Report to Equifax & Transunion monthly³

Credit limit increase automatically⁵

Lower interest rate each year for 1%⁵

SmartPay Sync™ to avoid missed payments

We report your good habits to Equifax monthly, so your responsible spending builds real credit history. No tricks, no gimmicks – just steady progress you can track right in the app.

Cash Advance: your credit, now in cash

Use a portion of your available credit to get cash instantly — whether you need it from an ATM or sent directly via Interac e-Transfer or bank transfer

Via ATM

Withdraw cash 24/7 at any ATM worldwide.

Interac e-Transfer

Send directly from your credit balance to your chequing account.
Cash in your account in 2 minutes

Exclusive feature
Get my Cash

Bank transfer

Perfect for planned expenses when you can wait 3-5 days.

Experience the Premium Package

Your physical card unlocks powerful features and exclusive benefits5

Cashback

Earn up to 1% Cashback on groceries, transportation, and pharmacy plus 0.5% Cashback for paying balance in full.

Physical card

Physical card shipped same-day. Tap-to-pay enabled, accepted worldwide wherever Visa is accepted.

24/7 VIP Support

Skip the line with dedicated phone support and live chat. Get expert help whenever you need.

Extra rewards

Refer friends and earn $50 for every approved referral—double the standard bonus. Plus, get rewarded for completing financial challenges and credit quizzes in the app.

Metal card (optional)

Upgrade to a sleek, high-end metal card that feels as premium as your progress.
Available exclusively for Obsidian cardholders.

Apply online now

Who’s eligible for
the Earna Visa* Card?

Getting a credit card in Canada shouldn’t be
complicated. With Earna, it’s simple — no credit
history required

18+ years old

Live anywhere in Canada

Canadian bank account

$800+ monthly income (any source)

No credit score required

No security deposit needed

Check your eligibility

Real stories from our members

Get access to your credit in 60 seconds

  1. 1

    Submit online application

    2 minutes to submit

  2. 2

    Get approved

    Instant decision in 60 seconds

  3. 3

    Start spending today

    Use your digital card right away

Want higher limits ,
more rewards,
and a sleek metal card?

Get credit limit up to $3,000, earn 1.5% Cashback on
essentials⁵, and upgrade to our premium 16g metal
card when you're ready

Earna Obsidian Visa* Credit Card

earna-2-rectoLearn More
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?

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.

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.