Cashback
Earn up to 1% Cashback on groceries, transportation, and pharmacy plus 0.5% Cashback for paying balance in full.
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 benefits in suited for your needs.
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 your Earna Credit Card
Compare Earna Cards
Starting limit
up to $1,500
up to $3,000
Minimum monthly income
$800
$1,400
Virtual card
Physical card
Plastic
Plastic or Metal
Interest rate
24.99% - 29.99%
23.99% - 28.99%
Membership fee
$149.99 yearly or $12.50 monthly
$249.99 yearly or $20.83 monthly
Total Cashback
Up to 0.5%
Up to 1%
Cash Advance
Worldwide Acceptance
Apple Pay & Google Pay
SmartPay Sync
Automatic credit limit increases
APR reduction to a minimum of 19.99%
Ships Same Day physical card
Free credit monitoring
3D Secure
Extra bonuses
Support
24/7 customer support
24/7 customer support
Compare Earna Cards
- Starting limitup to $1,500up to $3,000
- Minimum monthly income$800$1,400
- Virtual card
- Physical cardPlasticPlastic or Metal
- Interest rate24.99% - 29.99%23.99% - 28.99%
- Membership fee$149.99 yearly or $12.50 monthly$249.99 yearly or $20.83 monthly
- Total CashbackUp to 0.5%Up to 1%
- Cash Advance
- Worldwide Acceptance
- Apple Pay & Google Pay
- SmartPay Sync
- Automatic credit limit increases
- APR reduction to a minimum of 19.99%
- Ships Same Day physical card
- Free credit monitoring
- 3D Secure
- Extra bonuses
- Support24/7 customer support24/7 customer support
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 in one of the provinces we operate in
- Canadian bank account
- $800+ monthly income (any source)
- No credit score required
- No security deposit needed
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:
Earna VS
The Real Difference: Traditional Credit Cards vs Earna
Who Qualifies
Nearly everyone
Credit score 650+ required
Approval Time
60 seconds2
Days or weeks of waiting
Starting Limits
Up to $3,000
Depends on credit history
Building Credit
Automatic limit increases every 6 months5
Varies
Interest Rates
APR drops 1% yearly down to 23.99%5
Fixed rates
Cashback
Simple: up to 1.5% on what you actually buy
Complex categories & limits
Getting Started
Instant virtual card, Tap-to-pay ready
Paperwork & branch visits
Support
24/7
Business hours only
The Real Difference: Traditional Credit Cards vs Earna
- Who QualifiesNearly everyoneCredit score 650+ required
- Approval Time60 seconds2Days or weeks of waiting
- Starting LimitsUp to $3,000Depends on credit history
- Building CreditAutomatic limit increases every 6 months5Varies
- Interest RatesAPR drops 1% yearly down to 23.99%5Fixed rates
- CashbackSimple: up to 1.5% on what you actually buyComplex categories & limits
- Getting StartedInstant virtual card, Tap-to-pay readyPaperwork & branch visits
- Support24/7Business hours only
Experience the Premium Package
Your physical card unlocks powerful
features and exclusive benefits5
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.
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!
Is there a minimum credit score required to apply?
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!
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!
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!
View legal footnotes
1Annual Fees may be paid monthly. Other terms and conditions may apply. Find the complete terms and conditions here.
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 Other terms and conditions may apply. Find the complete terms and conditions here.