60
seconds
approval2
Unsecured credit card
Earna Virtual Credit Card. Real Credit, Zero Wait.
Start spending online or in-store right away. No security deposit needed, and your virtual Visa* Card works everywhere Visa is accepted.
Get your card nowWhy Choose Earna's Virtual Credit Card
Cash advance included
Approved instantly
Credit building
and credit score
Works with Apple Pay and Google Pay
Shop online, tap in-store, or use it anywhere.
Tap, pay,
and go
Build your credit score with Earna card
Credit score
30 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.
Full Visa Zero Liability worldwide
Shop worry-free everywhere Visa* is accepted. Protected from unauthorized charges 24/7, anywhere in the world. Please note that cardholders are responsible for protecting their PIN.
Detailed information about transaction
Check subscriptions tied to your card
Create stop payments for subscriptions on your card
Manage your card right from the app
Manage your card right from the app
Prevent unwanted charges
Lock your card with one tap to block unauthorized charges and unlock it anytime.
Control your expenses
Track every purchase instantly. Know your balance, pending charges, and card utilization.
24/7 Online customer support
Get help anytime you need it. Real people, real answers, available 24/7.
View your card details instantly
Need your card info for an online purchase? View it securely in the app—no physical card required.
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.
Online support team
Visa security features
Zero Liability Protection
Lock/unlock card
Transaction monitoring
Online support team
Visa security features
Zero Liability Protection
Lock/unlock card
Transaction monitoring
Online support team
Visa security features
Zero Liability Protection
Lock/unlock card
Transaction monitoring
Experience
the Premium Package
Your physical card unlocks powerful
features and exclusive benefits
Free credit report and score
Unlimited access to your Equifax credit report, score tracking and disputeh-full
24/7 VIP premium support
Skip the line with dedicated phone support and live chat. Get expert help whenever you need it
Physical card
Premium plastic or metal card shipped same-day. Tap-to-pay enabled, accepted worldwide wherever Visa is accepted
Apple pay and Google pay
Add your card instantly to your digital wallet. Make secure contactless payments up to $250 with just your phone
Cashback
Earn up to 1% Cashback on groceries, transportation, and pharmacy plus 0.5% Cashback for paying balance in full
Visa* benefits & controls
Track subscriptions, view transaction details, and manage stop payments. Please note that cardholders are responsible for protecting their PIN.
FAQ
Can’t find what you’re looking for?
Contact us here:
[email protected]