Essential
up to 1%
Get Cashback on groceries, transportation, and pharmacy spending5
The best credit card
for everyday needs
Cashback
up to 1.5%
Cashback
up to 1.5%
Essential
Paying balance
in full 0.5%
Pay your full statement balance and earn an extra 0.5% Responsible Rewards Cashback5
Every purchase
pays you back
Groceries
Every trip to the grocery store puts money back in your pocket
Gas & Transit
Fill up your tank or take the bus – earn Cashback either way
Subscriptions
Pay your subscriptions – get rewarded for it5
Pharmacy
Prescriptions and health essentials now earn Cashback
Paying balance
in full 0.5%
Pay your full balance each month and earn extra Responsible Rewards Cashback
Redeem in Wallet
Your Cashback goes straight to your Rewards Wallet. Redeem anytime and credit it to your card
Real unsecured
credit card
This isn't a prepaid card. It's real credit that helps build your credit score with every purchase
Rewards, Cashback
and exclusive
discounts5
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
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]
Quick answers to questions you may have
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.
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.