Cashback with Earna Obsidian Visa* Card
Earna Cashback credit card: real rewards for real life
With Earna, you’ll have cards that fit your lifestyle, whether you're interested in building credit, earning Cashback, or aiming for the best premium benefits in the country.
Apply nowCashback that fits your real life. Earna rewards your essential spending with instant money back on groceries, health, and daily needs.
3%Cashback5
Earna turns every effort into an achievement
We believe your past doesn’t define your future. Our brand promise is “Freedom Through Effort”, and we’re here to help you achieve it, one step at a time.
Cashback up to 3%
+
Cashback with Earna Visa* Card
0.5%
For paying on time
and
0.5%
For paying your full balance
Turn essentials into earnings
Life is expensive, but Earna helps you earn while spending on the things that matter most:
Groceries
Earn Cashback on essential purchases and reduce your interest rate every year with on-time payments7.
Gas & Transit
Get rewarded for every commute. From gas fill-ups and bus passes to subway fares and rideshares, earn while you’re on the move.
Utilities & Bills
Turn your regular monthly bills—internet, phone, streaming services, and utilities—into regular rewards. It’s automatic and effortless.
Pharmacy
Earn Cashback on prescriptions, vitamins, and personal care essentials. Taking care of yourself now comes with extra benefits.
Simple, instant rewards
- Bank-level 256-bit encryption
- Protected bank connections
- Regular security audits
- 24/7 fraud monitoring
Get rewarded for being responsible
We believe in rewarding good financial habits
Pay on time
Earn an extra 0.5% Cashback for each on-time payment
+
Pay in full
Earn another 0.5% Cashback for paying your full balance
Banking that believes in you
We're rewriting the rules of banking with a simple belief: your past shouldn't limit your future. With Earna, access premium metal benefits and rewards – because everyone deserves a chance to grow.
- 18+ years old
- Live anywhere in Canada
- Canadian bank account
- $800+ monthly income (any source)
- No credit score required
- No security deposit needed
Earna is designed to improve your financial well-being
Benefit from lower interest rates each year
Never missed payments with Autopay
Build your credit score
Stay Protected with Visa
60-Second Decision
Get my cardEarna in nutshell
Apply now
Choose your perfect credit card
Ready for an unsecured credit card that believes in your potential? Earna offers innovative features, instant rewards, and a path to better credit—all with no credit history required.
Compare Credit Cards | | |
|---|---|---|
| Starting limit | $500-$1500 | $1000-$3000 |
| Total Cashback | Up to 2% | Up to 3% |
| Interest rate | 19.99% - 27.99% | 19.99% - 24.99% |
| Support | 24/7 customer support | Premium VIP support |
| Cash advance | Yes | Yes |
| Minimum income | $800 | $1,400 |
| Design | Modern plastic | Premium 16g metal card |
| Suitable for | Perfect for everyone | Designed for higher earners |
Getting started is simple
Ready to start earning cashback with Earna? Here’s how:
Apply online
Fill out our quick digital application – no paperwork, just a few simple steps to get started on your financial journey.
Instant decision
Get approved in 60 seconds! Your virtual card is ready immediately, so you can start earning rewards right away2.
Add your virtual card
Add to Apple Pay or Google Pay with a tap and start using your Earna card instantly – no waiting to start earning cashback.
Physical card
Your sleek Earna card arrives in 5-7 business days. Meanwhile, keep earning rewards with your virtual card without missing a beat.
What’s different
All the coverage of Visa
60-second decision, 24/7
Gain instant access to your Earna card
No annual fees!¹ Just clear & fair terms
Real unsecured credit card with no catch
You’re always in control
Real people, real service, anytime, anywhere
Hear from our customers who’ve transformed their financial goals into reality. These stories are real, inspiring, and show just what’s possible with Obsidian by your side.
“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
How do I apply for an Earna card?
How do I create an Earna account?
Visit www.earna.com and click “Sign Up.” Enter your email address, create a secure password, and provide basic personal details like your full name and date of birth. Follow the email verification link to activate your account. You’ll need an active account before applying for an Earna card.What information do I need to sign up?
You’ll need a valid email address, a password (at least 12 characters with letters, numbers, and symbols), and personal details such as your full name, date of birth, and phone number. For card applications, additional financial information (e.g., income, employment status) may be required during verification.Can I have multiple Earna accounts?
No, Earna allows only one account per user to ensure security and compliance. Multiple accounts may lead to suspension. If you’re applying for a card, use your primary account. Contact [email protected] for assistance with account issues.How do I enable two-factor authentication?
To enhance security for your account and card application, go to Account Settings > Security, select “Enable 2FA,” and link an authenticator app (e.g., Google Authenticator) or your phone number for SMS codes. Follow the prompts to verify and activate 2FA.How can I change my login email?
In Account Settings > Profile, select “Change Email.” Enter your new email address, verify it via a confirmation link sent to the new email, and authenticate with your password or 2FA code. Ensure your email is updated before applying for the card to receive application updates.Are there fees for using Earna?
Can I use Earna for online purchases?
How long does it take to get approved?
How do I earn rewards on Earna?
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.