Cashback
Earn up to 1% Cashback on groceries, transportation, and pharmacy plus 0.5% Cashback for paying balance in full.
Earna Obsidian Visa* Credit Card
The Metal Card
Upgrade
Credit limits up to $3,000, earn 1.5% Cashback on
essentials⁵, and upgrade to our 16g metal card
for that elevated experience
16g metallic design
Upgrade to our sleek metal card
60-second approval²
Get your answer in minutes. Apply online
Up to 1.5% Cashback
Earn real money back on groceries, gas, pharmacy
Cash Advance
Access to your credit limit as cash when you need it
The Feel You Deserve
Upgrade to our stunning 16g metal card anytime for just
$4.99/month or a one-time $48 fee. All the same
benefits,
elevated to premium
- 16g metallic design
- 1.5% Cashback⁵
- Made from durable metal
Who can get the
metal card
The metal card upgrade is available exclusively
to Earna Obsidian Visa* Card holders.
18+ years old
Live in one of the provinces we operate in
Canadian bank account
$1600+ monthly income (any source)
No credit score required
No security deposit needed
How to get your metal card
Apply online
Complete our quick online application in about 60 seconds. We'll ask for basic info and give you an instant decision.
Get your virtual card
Once approved, your virtual Earna Obsidian Visa* Card is ready immediately. Add it to Apple Pay or Google Pay and start using it right away while you wait for your physical card.
Receive your metal card
Your high-quality 16g metal card arrives free within 5-7 days. Upgrade anytime for just $4.99/month or a one-time $48 fee
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 are the requirements for the Earna Obsidian credit card?
The requirements are easy to meet! We base approval on your account spending behaviour, not your credit score, allowing us to approve more people. You’ll just need a minimum net income of $1,400 and you’re all set.
What are the benefits of the Earna Obsidian credit card?
The requirements are easy to meet! We base approval on your account spending behaviour, not your credit score, allowing us to approve more people. You’ll just need a minimum net income of $1,400 and you’re all set.
What is the credit limit for the Earna Obsidian credit card?
The requirements are easy to meet! We base approval on your account spending behaviour, not your credit score, allowing us to approve more people. You’ll just need a minimum net income of $1,400 and you’re all set.
What are the fees associated with the Earna Obsidian credit card?
The requirements are easy to meet! We base approval on your account spending behaviour, not your credit score, allowing us to approve more people. You’ll just need a minimum net income of $1,400 and you’re all set.
How does the Cashback program work with the Earna Obsidian card?
The requirements are easy to meet! We base approval on your account spending behaviour, not your credit score, allowing us to approve more people. You’ll just need a minimum net income of $1,400 and you’re all set.
How can I apply for the Earna Obsidian credit card?
The requirements are easy to meet! We base approval on your account spending behaviour, not your credit score, allowing us to approve more people. You’ll just need a minimum net income of $1,400 and you’re all set.
What is the interest rate on the Earna Obsidian credit card?
The requirements are easy to meet! We base approval on your account spending behaviour, not your credit score, allowing us to approve more people. You’ll just need a minimum net income of $1,400 and you’re all set.
Is there a fee for replacing the Earna Obsidian credit card?
The requirements are easy to meet! We base approval on your account spending behaviour, not your credit score, allowing us to approve more people. You’ll just need a minimum net income of $1,400 and you’re all set.