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
Obsidian16g 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 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.