Compare the best credit card that fits your lifestyle

With Earna, you’ll have cards that fit your lifestyle, whether you're interested in building credit, earning cashback, or aiming for the best premium benefits in the country.

Find Your Perfect Match: Two Cards, Endless Possibilities

Every journey deserves the right companion. Both cards welcome you with open arms—no matter where you’re starting from. Choose the one that matches your vibe.

Earna Visa* Card

Your gateway to better credit and daily rewards. Perfect for anyone ready to take control of their finances with confidence.

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Earna Obsidian Visa* Metal Card

16 grams of pure possibility. Designed for those who want premium perks without the premium barriers.

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Card comparison

Choose your Earna credit card

Both cards break down barriers and build up possibilities.

Here's how they stack up

earna-1-rectoearna-2-recto
Starting limit$500-$1500$1000-$3000
Total CashbackUp to 2%Up to 3%
Interest rate19.99% - 27.99%19.99% - 24.99%
Support24/7 customer supportPremium VIP support
Cash advanceYesYes
Minimum income$800$1,400
DesignModern plasticPremium 16g metal card
Suitable forPerfect for everyoneDesigned for higher earners
earna-1-recto
  • Starting limit$500-$1500
  • Total CashbackUp to 2%
  • Interest rate19.99% - 27.99%
  • Support24/7 customer support
  • Cash advanceYes
  • Minimum income$800
  • DesignModern plastic
  • Suitable forPerfect for everyone
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What’s Always Included With Your Card

Here's how they stack up

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Worldwide Visa acceptance
shop globally, pay anywhere
Visa Zero Liability
complete fraud protection
Instant virtual card
for online, subscriptions & secure payments
Same-day shipping for your physical card
Apple Pay & Google Pay ready
tap, pay, done
24/7 cash advance access
at ATMs worldwide
Automatic credit limit increases
every 6 months*
Free credit monitoring
powered by Equifax
Financial coaching and credit education
Learn how credit works. Improve your habits.
3D Secure
Safer online payments
SmartPay Sync™
Your payments sync with your payday

Your Past Doesn't Define Your Future

We see what others miss—your potential. While traditional banks focus on credit scores and security deposits, we focus on you.

  • 18+ years old
  • Live anywhere in Canada
  • Canadian bank account
  • $800+ monthly income (any source)
  • No credit score required
  • No security deposit needed
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Not Sure Which Card Type is Right for You?

Choosing a credit card shouldn't feel like a test you might fail. We get it—the options are confusing and the fear of rejection is real. That's why we designed Earna differently. But first, let's break down your options:

The Real Difference: Traditional Credit Cards vs Earna

earna-1-recto
Earna Visa* card
Blank card
Traditional Credit Cards
Who QualifiesEveryone welcome—we look beyond scoresCredit score 650+ required
Approval Time60 seconds to your answerDays or weeks of waiting
Starting Limits$500-$3000 guaranteed startDepends on credit history
Building CreditAutomatic limit increases every 6 monthsYou're on your own
Interest RatesAPR drops 1% yearly down to 19.99%Fixed rates, take it or leave it
CashbackSimple: up to 2% on what you actually buyComplex categories & limits
Getting StartedVirtual card instant, tap & pay readyPaperwork & branch visits
Support24/7 real humans who get itBusiness hours only
earna-1-recto
Earna Visa* card
  • Who QualifiesEveryone welcome—we look beyond scores
  • Approval Time60 seconds to your answer
  • Starting Limits$500-$3000 guaranteed start
  • Building CreditAutomatic limit increases every 6 months
  • Interest RatesAPR drops 1% yearly down to 19.99%
  • CashbackSimple: up to 2% on what you actually buy
  • Getting StartedVirtual card instant, tap & pay ready
  • Support24/7 real humans who get it

Need a easy approval credit card in Canada?

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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

What do I need to Qualify for an Earna credit card?

Earna card is available to all Canadians—whether you’re a citizen or resident. We accept all types of income, with a minimum net income of just $800. Approval is based on your spending behavior, not your credit score, making it accessible for more people. As long as you have a Canadian bank account and are 18 years or older, you’re ready to go!

What are the fees associated with the Earna card?

Earna card is available to all Canadians—whether you’re a citizen or resident. We accept all types of income, with a minimum net income of just $800. Approval is based on your spending behavior, not your credit score, making it accessible for more people. As long as you have a Canadian bank account and are 18 years or older, you’re ready to go!

What is Zero Liability Fraud Protection, and how does it work?

Earna card is available to all Canadians—whether you’re a citizen or resident. We accept all types of income, with a minimum net income of just $800. Approval is based on your spending behavior, not your credit score, making it accessible for more people. As long as you have a Canadian bank account and are 18 years or older, you’re ready to go!

How can I manage my card and payments using the mobile app?

Earna card is available to all Canadians—whether you’re a citizen or resident. We accept all types of income, with a minimum net income of just $800. Approval is based on your spending behavior, not your credit score, making it accessible for more people. As long as you have a Canadian bank account and are 18 years or older, you’re ready to go!

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.
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.