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.
ScrollGas & 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.
ScrollUtilities & Bills
Turn your regular monthly bills—internet, phone, streaming services, and utilities—into regular rewards. It’s automatic and effortless.
ScrollPharmacy
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
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 |
- Starting limit$500-$1500
- Total CashbackUp to 2%
- Interest rate19.99% - 27.99%
- Support24/7 customer support
- Cash advanceYes
- Minimum income$800
- DesignModern plastic
- Suitable forPerfect for everyone
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:
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