Unsecured
credit card with
No security deposit
Earna Obsidian Visa* Credit Card
Higher Limits
Better Rewards
Metal Card Unlocked
Get credit limit up to $3,000, earn 1.5% Cashback on essentials⁵, and upgrade to our premium 16g metal card when you're ready .
Apply now online
The best credit card
for everyday needs
Unsecured
Get approved
in 60 seconds2
Most credit
scores are
accepted
Most credit scores are
accepted
Credit limit
up to $1,500
Credit limit up to $1,500
Cash Advance
available
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
All protection covered
Your Earna Obsidian Visa* Card comes with exclusive insurance coverage to protect what matters most. From your smartphone to your everyday purchases, we've got you covered—at no extra cost
- Mobile device protection
- Purchase protection & extended warranty
- Carrier insurance
Mobile device protection
Purchase protection & extended warranty
Carrier insurance
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
Want a sleek metal card?
16 grams of metal with unique design just
for $4.99/month or $48 one-time
Build your credit score with Earna card
Credit score
01230123456789012345678901234567890 pts
Build your credit score with Earna card
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-Transfer
Bank transfer
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
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]