Fast online application
Earna Obsidian
The premium metal credit card that welcomes everyone
Higher limits and exclusive rewards designed to empower your financial success, regardless of your credit background4.
Get my card
- 60-second approval²
- Up to 3% Cashback⁵
- 16g metallic design
Lighting your path to opportunity
At Earna, we believe everyone deserves access to premium financial tools that celebrate progress. Our metal card rewards your everyday achievements while opening doors to a brighter financial freedom.
Get up 1% Cashback on essential purchases5
Earn 2% cashback on life's essentials – from daily groceries to health needs.
2%
Each card payment
Earn 0.5% extra when paying based on your schedule
Full balance payment
Get extra 0.5% when paying statement in full
Responsible payment rewards
1%
Your cashback journey starts here. Swipe, earn, and repeat.
Benefits without extra fees
No security deposit
90% Approval rate⁴
Physical card arrives within days
No credit score minimums
Add to Apple & Google Pay
Virtual card ready in 60 seconds
Extra credit line
Need fast cash? Get instant money from your card anytime
Learn more
Cash advance
Double your credit power—instantly boost your spending limit.
Learn moreMaximize your rewards choosing the right
Get my card2%
Cashback
On everyday essentials plus payment rewards
0.5%
Cashback
On time payments for credit balance
0.5%
Cashback
On full balance payments
Features that make the difference
Visa* protected all around the world
Decrease interest rate every year7
AutoPay AI
Increase credit limit every 6 month6
Powerful Tools For Financial Growth
Everything you need in one app
Cash advance available
24/7 customer support
Spending notifications, card management
Grows as you succeed
Interest rate reduction program
Credit limit increases
Effective credit building feature3
Security & Support
24/7 fraud protection & Transaction monitoring
24/7 Dedicated support team
Visa security features
Real credit card, Real benefits
Full unsecured credit card benefits from day one
AutoPay AI to avoid missed payments
Highest approval rate in Canada
Extra spending power
Exclusive benefits, tailored for you
Apply Now
Inclusive access
- Fast online application
- High approval rate
- No credit score minimums
- No security deposit
Instant access
- Virtual card ready in 60 seconds
- Add to Apple/Google Pay immediately
- Metal card arrives within days
- Real unsecured card
Hear from our customers who’ve transformed their financial goals into reality. These stories are real, inspiring, and show just what’s possible with Earna.
“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!”
Mark 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”
Sophia 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.”
Kim F.
“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!”
Josh A.
“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!”
Mark 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”
Sophia 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.”
Kim F.
“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!”
Josh A.
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?
What are the benefits of the Earna Obsidian credit card?
What is the credit limit for the Earna Obsidian credit card?
What are the fees associated with the Earna Obsidian credit card?
How does the cashback program work with the Earna Obsidian card?
How can I apply for the Earna Obsidian credit card?
What is the interest rate on the Earna Obsidian credit card?
Is there a fee for replacing the Earna Obsidian credit card?
View legal footnotes
1 Earna Credit Cards does not have annual fees paid upfront, instead, to help you manage your finances, you will only need to pay monthly fees included on your monthly statement.
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 Refer to Earna Rewards Policy for details on earning cashback. Other terms and conditions may apply, find the complete policy here.
6 Credit limit increases are subject to eligibility and require the account holder’s express consent. Terms and conditions apply.
7 Eligible interest rates may decrease by up to 1% annually for accounts in good standing, subject to a set minimum and other eligibility criteria. Not all rates are eligible. Terms and conditions apply.