Unsecured
credit card with
No security deposit
The best credit card
for everyday needs
Unsecured
Get approved
in 60 seconds2
Most credit
scores are
accepted
Credit limit
up to $3,000
Cash Advance
available
Rewards, Cashback
and exclusive discounts5
1%
0.5% Cashback on groceries
0.5% Cashback on health
0.5% Cashback on subscriptions
0.5% Cashback on gas station
0.5% Cashback payment in full
1%
0.5% Cashback on groceries
0.5% Cashback on health
0.5% Cashback on subscriptions
0.5% Cashback on gas station
0.5% Cashback payment in full
35%
25% off
Sport events
35% off
Parks & Attractions
20% off
Concerts
15% off
Dining & Food
35%
25% off
Sport events
35% off
Parks & Attractions
20% off
Concerts
15% off
Dining & Food
$25
Challenges
$35.00
You've earned
11/24
Completed challenges
Completed Challenges
60%
List of challenges
$2 BonusFor first referral invitation
$5 BonusFor your first payment
$3 BonusFor ATM withdraw
$25
$35.00
You've earned
11/24
Completed challenges
Completed Challenges
60%
$5 Bonus
For your first payment
$25
Financial
Education
$7.00
You've earned
5/8
Completed lessons
Keep learning and earning!
60%
- Credit basics
Credit basics information for beginners
12 lessons
- Finance
Budgeting information for beginners
12 lessons
- Investment
Budgeting information for beginners
12 lessons
$25
$7.00
You've earned
5/8
Completed lessons
Keep learning and earning!
25%
$50
Referral
Program
$10.00
You've earned
4
Referred friends
Share link and get $25
Share
Your referrals
PendingCompletedIneligible
- a***@yahoo.com
2 days ago
- b***@yahoo.com
4 days ago
- j***@yahoo.com
5 days ago
$50
$100.00
You've earned
4
Referred friends
Coverage Included
Your Earna Obsidian Visa* Card comes with insurance coverage to protect what matters most. From your smartphone to your everyday purchases, we've got you covered—at no extra cost.
- Mobile phone insurance
- Purchase security & extended warranty
- Common Carrier AD&D*
Mobile phone insurance
Purchase security & extended warranty
Common Carrier AD&D*
*Common Carrier Accidental Death and Dismemberment Insurance.
Insurance benefits are underwritten by Chubb Insurance Company of Canada and distributed by BFL.
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
Build your credit score with Earna card
Credit score
01230123456789012345678901234567890 pts
Credit score
01230123456789012345678901234567890 pts
Build your credit score with Earna
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
Interac e-TransferExclusive feature
Bank transfer
Security & Support
Banking security shouldn't keep you up at night. That's why we've built multiple layers of protection into every transaction. Visa Zero Liability means you're never on the hook for fraud. Our AI monitors every swipe 24/7. And when you need help? Real humans are standing by, ready to solve problems.
Please note that cardholders are responsible for protecting their PIN.
Customer support
Transaction control
Visa Zero Liability Protection
Lock/unlock card
International purchase support
Customer support
Transaction control
Visa Zero Liability Protection
Lock/unlock card
International purchase support
Customer support
Transaction control
Visa Zero Liability Protection
Lock/unlock card
International purchase support
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.
Real stories from
our members
"This service is a godsend! I used to worry about unexpected expenses, but now, with Earna Card, I always have a financial cushion. It's a real feeling of freedom!"
Sophie T.
"Earna doesn't just offer credit, she truly values me as a customer. For the first time, I feel like I have financial flexibility that depends on me, not my credit score."
Alicia L
"With Earna Card, I finally feel financially secure. With quick verification and instant access to funds, I can handle any unexpected eventuality without stress"
Mark L.
"This service is a godsend! I used to worry about unexpected expenses, but now, with Earna Card, I always have a financial cushion. It's a real feeling of freedom!"
Sophie T.
"Earna doesn't just offer credit, she truly values me as a customer. For the first time, I feel like I have financial flexibility that depends on me, not my credit score."
Alicia L
"With Earna Card, I finally feel financially secure. With quick verification and instant access to funds, I can handle any unexpected eventuality without stress"
Mark L.
Get access to your credit
in 60 seconds
- 1
Submit online application
2 minutes to submit
- 2
Get approved
Instant decision in 60 seconds
- 3
Start spending today
Use your digital card right away
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.
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.
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 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.
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.